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200301055 <br />BY SIGNING BELOW, Borrower accepts and agees 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 />- Bnrrnwer <br />(Seal) <br />Rorrowei <br />— (Seal) <br />- Borrower <br />� Or ' /� (Seal) <br />DAVID S MCN EL - Borrower <br />(seal) <br />DENISE M MCNEEL - BOrrowcr <br />_ (Seal) <br />- Borrower <br />_ (Seat) <br />- Borrower <br />(Seal) <br />- Borrower <br />229334 <br />6(NE) (0005) P� I m I Form 3020 1101 <br />