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200111507 <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 />(Seal) <br />a- <br />ROBERT J MULLIGAN - Borrower <br />C Seal) <br />MICHELLE R MULLIGAN - Borrower <br />(=-61NE) (0005) <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3028 1/01 <br />