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200306047 <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 />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />RK W MERRILL - Borrower <br />ELLEN M MERRILL - Borrower <br />__ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />ImiCNE) i0005wi re isor i5 Form 3028 1101 <br />