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200214213 <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 />(Seal) <br />DON W BAILEY - Borrower <br />jz':znz <br />(Seal) <br />ROBIN J B LEY - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Sent) <br />- Borrower <br />229300 <br />M. P(NE) (0006) PMe [A of 15 Form 3028 1101 <br />N <br />