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200411324 . <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 />ad 4; ;� (Seal) <br />go- <br />TERENCE D WILEY <br />(Seal) <br />ARLENE F WILEY <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(M-6(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />0 <br />