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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 />JA <br />ELIZI -ETH V SPIEHS <br />J <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow 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 />NMLS# 407650 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />113893 <br />201305149 <br />Form 3028 1 /01 <br />VMP6(NE) (1302) <br />Page 16 of 1 <br />