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200311095 <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 />/.ncis J. Vickers JR. - Borrower <br />Z <br />AlaV Lt-hA� U cJ (Seal) <br />Ethel Marie Vickers - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />-6B(NE) (0005) Page 14 or 15 Form 3028 1/01 <br />