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' 2012�755� <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 Borrower and recorded with it. <br />�y'�s' 'N/� (SeaD <br />DOUGL . KROLIKOWSKI -Borrower <br />��,� � � _ .�� � ' ' � t�. �. . , - <br />�, � s . <br />� .. . <br />(Seap <br />-Borrower <br />(Seal) <br />-Borrower <br />� Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA-Single Family-Fannia Mae/Fredde Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP � VMPBINE) (11061.00 <br />Wolters Kluwar Flnencial Services Page 18 of 17 <br />