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200311993 <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 />- 14 . (Seal) <br />KIP B RAMSEY - Borrower <br />41 (Seal) <br />R RAMSEY 0 - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />_ (Seal) (Seal) <br />- Borrower - Borrower <br />(M 6(NE) (0005) Page 14 of 15 Form 3028 1/01 <br />