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201003993 <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 />KIRK L <br />(Seal) <br />-Borrower <br />/ ~/ ~~[ (Seal) <br />GEORGIA ERRELET -Borrower <br />Witnesses: <br />(Seal) <br />-Borrower <br />(Bead) <br />-Borrower <br />~' )31~1,.5T{.d- ^^ Single Family -- Fannie MaelFreddie Mae UNIFORM INSTRUMENT Form 3028 1101 <br />GCC - G3028-18 (09101) (Page 1$ of 19) <br />