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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) (0005).o1 <br />B <br />M <br />1 <br />1.t <br />1 <br />9 <br />'f-t (Seal) <br />GARY L LLIPS - Borrower <br />�L e ��11 I (Seal) <br />DEBORAH K BILLIPS - 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 />e <br />