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200205 X05 <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 />DIANA LYNN KELLOGG ower <br />(Seal) <br />grower <br />_ (Seal) (Seal) <br />- -- - -- - - Borrower - -- - Borrower <br />(Seal) (Seal) <br />-- - Iorrower - -- grower <br />(Seal) (Seal) <br />- Borrower - orrowei <br />Initials:L <br />4ft-6(NE) (000s) Page 14 of 15 <br />4 <br />Form 3028 1/01 <br />