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200204829 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />-- borrower <br />(Seal) <br />1orfower <br />(Seal) <br />- _- - -- - -- - -- - Borrower <br /><ft-6(NE) (0005) <br />KEITH E ELLIS <br />(Seal) <br />- =Borrower <br />C (Seal) <br />CATHLEEN A ELLIS Borrower <br />Page 14 of 15 <br />3 <br />(Seal) <br />- orrower <br />(Seal) <br />- orrower <br />(Seal) <br />RnrrnwPt <br />Initials- <br />Form 3028 1 /01 <br />