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200304200 <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 />�J I/(� <br />MICHELLE L V ACH - Borrower <br />(Seal) <br />MARTY A VL.ACH - Borrower <br />... (Seal) <br />- Harrower <br />(Seal) _ _ _ (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Rnrower <br />(m. 6(NE) ions m 1, is or is Fonn 3028 1101 <br />