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.a . <br />200411343 <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 />®•6A(NE) (0005) <br />&�a� (Seal) <br />KRISTENE R. FREAR - Borrower <br />(Seal) <br />HOWARD E. FREAR - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3028 1/01 <br />