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200201260 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 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 />4ft-6(NE) I000sl <br />'gm '4 /zu&— (Seal) <br />BR A WH ELER - 13orrower <br />al <br />% -P'ATR M- WHEELER --- - -�orr <br />Page 14 of 15 <br />Initials: <br />(Seal) <br />orrower <br />(Seal) <br />Borrower <br />(Seal) <br />- - - -- _ borrower <br />Form 3028 1 /01 <br />