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200401438 <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 />� (Seal) <br />TERRENCE L. DOUGLASS <br />(Seal) <br />DONNA J. DOUG 0 <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />� -6(NE) (oom) Page 14 of 15 Form 3028 1/01 <br />