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�01202520 <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 Borrower and recorded with it. <br />. ' <br />(Seal) <br />Sherri L O Callaghan - BOrrower <br />(Seal} <br />rower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />Jeffrey B O'Callaghan signs as <br />dower rights without persoaal <br />this Security Instrument. <br />"Borrower" solely for the purpose of waiving <br />obligation for payment of any sums secured by <br />2200229406 <br />NEBRASKA-Single Family-Fannie Mae/Freddfe Mec UNIFORM INSTRUMENT WITH MERS <br />VMP � <br />Walters Kluwer Flnancial Services <br />D VBANE <br />Form 3038 1 /01 <br />VMP6AWE) (1105) <br />Page i 6 of 17 <br />E <br />� <br />