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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 />dM -61NE1 l000501 <br />DOU S A BANDICM39 - Borrower <br />4 <br />_�11V'4'i it ,22 �7� Seal) <br />COLEEN R BANDEMER - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Page to of 15 Form 3028 1/01 <br />