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200305602 <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 />(Sea]) <br />- Bormwer <br />(Seal) <br />Bnrmwer <br />(Seal) <br />Borrower <br />(Seal) <br />MICHAEL M RNELL - porrnwer <br />0&& <br />(Seal) <br />AMBER <br />L KNELL <br />- Borrower <br />_ (Seal) <br />-BOm wer <br />(Seal) <br />- Borrowei <br />_ (Seal) <br />borrower <br />®m -61NE1 i000u, 1,e, +a m r s Form 3028 1101 <br />