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200211723 <br />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 />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />/l <br />(Seal) <br />JOHN R FREDERICK <br />- Borrower <br />n ya (Seal) <br />SARA 5 FREDERICK - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />-Borrower <br />(=- 6(NE) F=oe ra on5 Form 3026 1/01 <br />e I a <br />