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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 />LON L LOY - Borrower <br />er.,4 J (Seal) <br />CHRISTI R LOY - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />- (Seal) <br />- Borrower <br />01- 21228781 <br />C-6(NE) (oom Page 14 of 15 Form 3028 1101 <br />