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20 �10�19� <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 Bonower and recorded with <br />it. <br />� <br />(��I <br />ERIC L NIELSEN - B���' <br />_ (Seal) <br />-Borrower <br />_ (�/) <br />-Borrower <br />_ (�1) <br />-Borrower <br />Witnesses: <br />�B�$� — Single Family -- Favnie MadFraddia Mu UHIFORM INS1RLJbf6N1' Form 3028 ll01 <br />GCC - G3028-18 (09/Ol) (Page 18 of19) <br />