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201205 <br />BY SIGNII�TG BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Security Instrument and in any Rider executed by Borrower and rec;orded with <br />it. <br />� , �G � / <br />NEAL R SCHRODER <br />Witnesses: <br />_ (Seal) <br />-Borrower <br />(Seal) <br />rrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />N�RA$� — Single Family — Feonle Mae/FYRddte Maz iAVIFORM INSfRUMENT Form 3N8 1/Ol <br />GCC - G3028-18 (09/Ol) (Page 18 of 19) <br />