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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 />�eall <br />BARBARA G GILLHAM - Borrower <br />e. <br />CNE) mom <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />01- 15228907 <br />Form 3028 1101 <br />