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200301533 <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:A k`��� <br />Y1 /1 <br />®-81NE1 (coos) <br />A <br />I <br />(Seal) <br />DENNY J WATKINS - Borrower <br />A /K /A DENNY JOE WATKINS <br />BONEITA P WATKINS - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />".1d M 15 <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />229343 <br />Form 3028 1101 <br />