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<br />200606146 <br /> <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 /> <br />Witnesses: <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />CIIt-6(NE) (0407).01 <br /> <br />#P~& <br /> <br />ELLIOTT J GRA <br /> <br />(Seal) <br />-Borrower <br /> <br />&u R- ~ (Seal) <br /> <br />LORI R GRAY a -Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />1008649901 <br /> <br />PEge 14 of 15 <br /> <br />Form 3028 1101 <br />