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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 />Howard E Frear <br />Kristene R Frear <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 <br />Wolters Kluwer Financial Services <br />. (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />201302161 <br />Form 3028 1/01 <br />VMP6INE) 11105) <br />Page 18 of 17 <br />