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200308173 <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 />Randy L. Gard - Borrower <br />(Seal) <br />Vicki J Gard - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(M 6(NE) (0005).01 Page 14 of 15 <br />c <br />i <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />1721604 <br />Form 3028 1101 <br />I <br />