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200304722 <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 />E D BALLARD - Burmwee <br />Seap <br />SHELLY - Borrower <br />- (Seal) _ -___ (Seal) <br />- Bom,we� - Bmmwer <br />(Seal) __— (Seal) <br />- BOnowe. - BOrr�wor <br />(Seat) _. _ _ (Seal) <br />- Borrower Borrower <br />(MEtNE) moon n, rage is, 15 Form 3028 1/01 <br />m <br />