A disposable absorbent article and method of forming the article are disclosed. The article has front and back panels, each having first and second zones. The first zone of each panel is extensible and retractable and the second zone of each panel is non-extensible and non-retractable. Each of the front and back panels has first and second side edges. An absorbent assembly is secured to the front and back panels. The absorbent assembly has a first end secured to the second zone of the front panel and a second end secured to the second zone of the back panel. The absorbent assembly is capable of being folded to enable the front panel to align with the back panel, respectively. A pair of seams join the front and back panels together to form a disposable absorbent article having a waist opening and a pair of leg openings.