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201107714 <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 />J�DGNIFER M �AVIS <br />Witnesses: <br />_ (Seal) <br />-Bonower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />�B�IS�I — Singte Family — Famie Mae/Freddie Mac UrTIFORM INSl'ItiJMENT Form 3028 1/Ol <br />GCC - G3028-18 (09/Ol) (Page 18 of 19) <br />