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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 />O1/16/2013(Seal) <br />Raymon , Jack t e erniss, Jf - Borrower <br />1 /16 /2013(Seal) <br />- Borrower <br />(/ <br />Melissa A e Beberniss <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />20130070 <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA-Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS <br />VMP <br />Wolters Kluwer Financial Services <br />III I1111 I I11II11111111 I111 III <br />803312 0233 284 16 <br />Form 30281/01 <br />VMP6A(NE) (1105).00 <br />Page 16 of 17 <br />