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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />RRO R - JOSEPH P FERRIS <br />STATE OF debradka <br />COUNTY OF /A /1 <br />The foregoing instrument was acknowledged before me this day of <br />.7f/ HU <br />AND WIFE. <br />GENERAL NOTARY - State of Nebraska <br />ANDREW D. ROMATZKE <br />My Comm. Exp. Apt6 26, 2015 <br />, by JOSEPH P. FERRIS AND L. FERRIS <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />338.9 Page 14 of 14 <br />My Commission Expires: 4//2 <br />201305013 <br />451304974 <br />D <br />Form 30281/01 <br />