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20030085E <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 />-BOMWM <br />(Seat) <br />BortOWCr <br />(Seat) <br />Borrower <br />(Seal) <br />ALVERNON L KNOEPFEL - ¢ortower <br />DARLENE I KNOEPFEL - B�rr�wer <br />_ (Seal) <br />- Bonower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />229328 <br />® OINU to n) 1n of 15 form 3020 1101 <br />