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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 />4 . / 4 6 M (Seal) <br />MARK M. BAUMERT - Borrower <br />6 0.).4.1YO-Q" <br />TERESA A. BAUMERT <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 />(Seal) <br />- Borrower <br />El Refer to the attached Signature Addendum for additional parties and signatures. <br />201302328 <br />Form 3028 1/01 <br />VMP61NE) (1105).00 <br />Page 16 of 17 <br />