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200505703 <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 />-6(NE) (00051 <br />D06 -14NE (05 /2005)Rev.01 <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />CY THIA L KELLEY - Borrower <br />(Seal) <br />AN M. KELLEY - Borrower <br />0082203316 -9701 <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 14 of 16 06/22/2005 3:24:37 Form3028 1/01 <br />