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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 />MICHAEL A. WILLIAMS <br />SHAWNA A. WILLIAMS <br />(Sign Original Only) <br />abo c <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />201301244 <br />001123376367 /4` Citibank 3.2.66.14 V3 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT WITH MERS �// Form 3028 1/01 <br />VMP ® VMP6A(NE) (1105).00 <br />Wolters Kluwer Financial Services Page 16 of 17 <br />