You are responsible for the cost of any insurance purchased by us. The cost of this <br />insurance may be added to your contract or loan balance. If the cost is added to your contract or <br />loan balance, the interest rate on the underlying contract or loan will apply to this added <br />amount. The effective date of coverage may be the date your prior coverage lapsed or the date <br />you failed to provide proof of coverage. <br />The coverage we purchase may be considerably more expensive than insurance you can <br />obtain on your own and may not satisfy any need for property damage coverage or any <br />mandatory liability insurance requirements imposed by Applicable Law. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />( ea <br />Thomas M. Dreyer orrower <br />~A (Seal) <br />t id A. Dreyer -Borrower <br />(Seal) (Seal) <br />-Borrower -Borrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />(Q-MR) (0104).01 Page 14 or 15 Form 3038 1101 <br />