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20030727'2 <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 />-B.WV <br />(Seal) <br />JAbfKS L HARDER - Borrower <br />_ (Seal) <br />MARY K LARDER - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) _ (Seal) <br />B rower - Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />-BO rower <br />4jW6(NE) m 1,01 Paoe is or is Form 3028 1101 <br />