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2003098'75 <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 />-6(NE) (0005).01 <br />QD <br />t" <br />,l <br />(Seal) <br />KE TH L FREDERICK Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 14 of 15 <br />4 <br />(Seal) <br />SZ B FREDERICK - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Form 3028 1/01 <br />