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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 />(M -6(NE) (990401 <br />FREDERICK E. MEYER - Borrower <br />(Seal) <br />LEM J. MEYE' - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) <br />- Borrower <br />Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />Form 3028 3/99 <br />