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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 />shua A Gartne <br />Kati S Gartner <br />a /k /a Katie Gartner <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA- Single Family- Fannie M ae/Freddie Mac UNIFORM INSTRUM ENT <br />VMP® <br />Wolters Kluwer Financial Services <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />`©1209739 <br />24002815 <br />Form 3028 1/01 <br />VMP6(NE) (1105) <br />Page 16 of 17 <br />