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200209206 <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 />FRED W CHANDLER -Borrower <br />-- -- - 'J�__ <br />"�!%_ _ (Seal) <br />J ANNE M CHANDL� Borrower <br />(Seal) <br />(Seal) <br />- -- -- - - <br />- Borrower - <br />- -Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(W(NE) (000) <br />(Seal) (Seal) <br />- Borrower -_ -- - - _ - -Borrower <br />Initialscy � <br />Page 14 of 15 lll��� Form 3028 1 /01 <br />s' <br />