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201204921 <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 />� � �"""� (Seal) <br />ohn R Frederi ck -Borrower <br />�1 _�.,c��Ju�� (Seal) <br />Sara S Frederi ck -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrowe� <br />0 Refer to the attached Signature Addend.um for additionat parties aud signatures. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP � <br />Wolters Kluwer Financial Services <br />Form 3028 1/01 <br />VMPBINE) (1105) <br />Page 16 of 17 <br />� <br />, '� . <br />