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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 />41A/ L OL--/ <br />Seal <br />(Seal) <br />- Borrower <br />WILLIAM D OLTEAN <br />C • (Seal) <br />JOiNE C OLTEAN - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />El Refer to the attached Signature Addendum for additional parties and signatures. <br />NMLS# 407650 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />11099173 <br />201304034 <br />Form 3028 1/01 <br />VMPB(NE) (1105) <br />Page 16 of 17 <br />