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201������ <br />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 />� � (Seal) <br />XANN T ELLISON -Borrower <br />, (Seai) <br />-Borrower <br />— (Seal) <br />-Borrower <br />Witness: <br />� <br />Form 3028 1 <br />Witness: <br />(Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />— (Seal) <br />-Borrower <br />Family--Fannie Mae/Freddie Mac <br />IFORM INSTRUMENT DOCMaQ%C � 800-649-1362 <br />Page 10 of 11 www.docmagic.com <br />Ne3028.doc.xml <br />