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20030300/ <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 />- BOrrowcr <br />(Seal) <br />borrower <br />(Seal) <br />TIMOTHY ANDREW GARDNER - narrower <br />DARLA SUE GARDNER - BoRawr. <br />_ (Seat) <br />- Borrower <br />_ (Seal) <br />Borrower <br />- borrower <br />229373 <br />® -B�NE� tooue� N , is ni 15 Form 3838 1181 <br />