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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 />Arnold E Bates <br />Gloria J Bates <br />Qj (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP 0 <br />Wolters Kluwer Financial Services <br />20 1300703 <br />Form 3028 1/01 <br />VMP6INE) (1105) <br />Page 16 of 17 <br />