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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 />BYRON SCHMIDT <br />(Sign Original Only) <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />001123333314 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT WITH MERS <br />VMP <br />Wolters Kluwer Financial Services <br />20130029; <br />Citibank 3.2.65.07 V2 <br />Form 3028 1/01 <br />VMP6A(NE) (1105).00 <br />Page 16 of 17 <br />