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20120400� <br />BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants <br />contained in this Security Instrument and in any Rider executed by Bonower and recorded with <br />it. <br />r <br />A VOECKS <br />Witnesses: <br />_ (Sea[) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Bonower <br />_ (Seal) <br />-Borrower <br />r1EB�S� — Siugle F�ily — Fannie Mae/Freddie Mac UNIFORM INSCRUMENT Form 3028 1/Ol <br />GCC - G3028-18 (09/Ol) (Page 18 of 19) <br />