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200103228 <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 />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />eal <br />RICHARD L HARBAUGH - Borrower <br />�! (Seal) <br />MARY C H BAUGH - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />01- 15228815 <br />C•6(NE) (0005) Page 14 of 15 Form 3028 1101 <br />