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20120117� <br />BY SIGNING BELOW, Bonower accepts and agrees to the terms and covenants contained in this Securiry <br />Instn�ment and in any Rider executed by Bonower and recorded with it. <br />� <br />�/ (Seap <br />Charles J Zaru -Borrower <br />�'� (Seal) <br />Gwendolyn R Z ruba -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />0 Refer to the attacfled �gnature Adde►rdum for additionat parties and signatures. <br />NEBRASKA-Single Family-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP � <br />Wolters Kluwer Financ(al Servicas <br />Form 3028 1/Ot <br />VMPB(NE) (1105) <br />Page 16 of 17 <br />� s � N <br />