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 />~~L ~JJ4"e_~ <br />1i~ r~/}- L✓ ~ L r ~ u <br />a/7 11"-1604114 <br />V <br />y -131wics- <br />- (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />- (Seal) <br />-Borrower <br />- (Seal) <br />-Borrower <br />- (Seal) <br />-Borrower <br />- (Seal) <br />-Borrower <br />0072328479 <br />(Seal) <br />/*Cynth'i a A Dre er -Borrower <br />(Seal) <br />Thomas M Drever -Borrower <br />(M-6(OR) 10104).01 Page 14 of 15 Form 3038 1/01 <br />0 <br />