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201201439 <br />BY SIGNING BELOW, Bonower 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 />�� � � <br />cseal> <br />RICHARD B. KOEFOO -Borrower <br />— ( <br />-Borrower <br />— �S�) <br />-Bonower <br />Witness: <br />Wimess: <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 10 of 1 1 <br />- �5�� <br />-Borrower <br />— �S�) <br />-Bonower <br />— �S�) <br />-Bonower <br />DocMag/c � <br />www. docmagic. com <br />Ne3028.aotxml <br />