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201200039 <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 E3orrower and recorded with it. <br />��� ( (Seal) <br />Ph i 1 ip i e s s -Iiorrower <br />— (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />Witness: <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1l01 Page 10 of 11 <br />C �� � � (Seal) <br />Wendy L lomquist -Borrower <br />Witness: <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />DodNeglc �� <br />www.docmagic.com <br />