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20120065� <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 Bonower and recorded with it. <br />� (Seal) <br />Ra dal l P Rowl ey -Borrower <br />� (Seap <br />Joyc E Ro 1 ey -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />� Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA-Stngle Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/Ot <br />VMP p VMP6(NE) (1105) <br />Wolters Kluwer Financial Servicea Page 16 of 17 <br />