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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any. Rider executed by Borrower and recorded with it. <br />Borrower <br />/ 3i te <br />Penny R($irkert Date <br />Seal <br />VMP® <br />Wolters Kamer Financial Sendces <br />i <br />2018063 15.1 0.3112- J20151124Y Irdtlsl <br />V <br />9 <br />A <br />i <br />201603462 <br />1200318317 <br />