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200504498 <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 />/ (Seal) <br />GREG D AN - Borrower <br />r� <br />14. Dv1gct:01 • (Seal) <br />ROXANA DUNCAN - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(M 6)NE) woos) Page 14 of 16 Form 3028 1/01 <br />