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20120689� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Security Instrument and in any Rider executed by Borrower and recorded with <br />it. <br />(sea/) <br />TONY J KEIPER -Borrower <br />1s�4 <br />KE LI K KEIPER -Borrower <br />_ (Sea/) <br />-Borrower <br />_ (Seall <br />-Borrower <br />Witnesses: <br />I�BRl�I$1{�l — Single Family -• Femia Mea/Fraddia Mac i1NIFORM IN87'RUMHNT Form 3028 ll01 <br />GCC - G3028-18 (09/Ol) (Page 18 of/9) <br />