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200406681 <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 />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />18182909 <br />L A L (Seal) <br />GARY MCCRAY - Borrower <br />Ka34 x PUy M( At'a M '144Seal) <br />KATHLEEN MARIE MCCRAY - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />18182909 <br />(0- 6A(NE) (0005yoi Page 14 or 15 Form 3028 1/01 <br />