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2003088'70 <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: 11 :A <br />-6(NE) (000501 <br />m <br />P, <br />H <br />�C <br />4 <br />JAMES <br />COLLEEN A DUERING <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 />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 14 of 15 Form 3028 1/01 <br />V III <br />