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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 />/1 oil <br />J•-EP J KEMLING <br />3 <br />NMLS# 407650 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />(Seal) <br />- Borrow er <br />(Seal) <br />orrow er <br />(Seal) <br />-Borrow er <br />(Seal) <br />-Borrow er <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />112715 <br />201302624 <br />Form 3028 1/01 <br />VMP6(NE) (1105) <br />Fags 16 of17 <br />