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200503222 <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 />DOC #:317614 <br />�__.... (Seal) <br />T R MCDOWELL - Borrower <br />NICOLE L MCDOWELL - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />APPL #:8012244094 <br />— (Seal) <br />- Borrower <br />_.. (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />LOAN #:8012244094 <br />40-6(NE) (0407) Page 14 of 15 Form 3028 1/01 <br />0 <br />