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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 />Edmund R Kershaw <br />qetc 1.1117 uk qui kx) <br />Michelle K Kershaw <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />231307496 <br />Form 3028 1/01 <br />VMP6)NE) 11105) <br />Page 16 of 17 <br />