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20050021 <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 />JAME A. ROBERG <br />(Seal) <br />- Borrower <br />J .ROBERG <br />(Sign Original Only) <br />002002268144 <br />-6(N E) (0005) Page 14 of 15 Form 3028 1/01 <br />I <br />