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2 01�b203� <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 />rower <br />(Seal) <br />Jo i L Sc i efert -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrouver <br />0 Ref,er to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT <br />VMP � <br />Wolters Kluwer Ffnancial Servic� <br />Form 3028 1 /01 <br />VMP6INE) (1105) <br />Page 16 af 17 <br />, � ' - � <br />