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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 />ELIfAH A KUCERA <br />MARGARBT,' E KUCERA <br />NMLS# 407850 <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 />-Borrow er <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrower <br />113738 <br />20 1305459 <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />Form 3028 1/01 <br />VMPB(Nq (1302) <br />Page 118 of 17 <br />