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20�101201 <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 />N J ZELAS <br />TERRI L <br />Witnesses: <br />_ (Sea[) <br />-Borrower <br />_ (Seal) <br />-Bonower <br />_, (Sea[) <br />-Bonower <br />_ (Seal) <br />-Bonower <br />�B�ISI{�l -- Single Family -- Fannie Mae/El�eddie Mac IJNIFORM INSTRUMENT Form 3028 1/Ol <br />GCC - G3028-18 (09/Ol) (Page 18 of 19) <br />