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200302822 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />- Borrower - RC)b J. Zobel - Date - <br />NEeRASRA -- Single Family -- Fannie Mmr FrMdie Mac UNIFORM INSTRUMENT Form 3038 Flo <br />aocmrc�2 (Page lS 113ras l <br />ocomaec.vrx oc /is /zocz <br />