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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 />THEODORE G RICHAR <br />VMP® <br />Wolters Kluwer Financial Services <br />ew <br />ZIctis4 L RICHARD <br />11 <br />1 <br />1 <br />11 <br />1 <br />7.1,e <br />11 <br />K <br />11 <br />11 <br />201706019 <br />0 91.- c2 / -' d/7 <br />Date <br />Seal <br />6 - d /- 2 / <br />Date <br />Seal <br />2017082516.1 4.42 7-J2016 014Y Initials Page 16 of 17 <br />1 <br />1 <br />1 <br />1 <br />1 <br />11 <br />1 <br />1 <br />1077205348 <br />111 <br />04/16 <br />11 <br />