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201300880 <br /> 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 /> (Seal) <br /> Randall R Panowicz -Borrower <br /> -t�6 (Seal) <br /> Tammy R Pano��-rc'."z L rrower <br /> (Seal) <br /> -Borrower <br /> (Seal) <br /> -Borrower <br /> Refer to the attached Signature Addendum for additional parties and signatures. <br /> 240055 57 <br /> NEBRASKA-Single Famay-Fannie Mae Fretloie Mac UNIFORM INSTRUM ENT Form 3025 1101 <br /> VMP® VIA PE(NE)11105) <br /> Walters Kluwer Financial Services Page 16 of 17 <br />