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200303620 <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 />V <br />r /l( (Seal) <br />WILLIAM R EARL - Borrower <br />8(NE) (0005) <br />c <br />r <br />w <br />Y <br />i <br />t <br />(Seal) <br />KAREN -EARL l - Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Poge 14 of 15 <br />la <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229381 <br />Form 3028 1101 <br />