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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 />(Seal) <br />- Borrower <br />DOU S CLARK <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Witness: Witness: <br />NEBRASKA—Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 14 of 15 <br />201307538 <br />(Seal) <br />SHU -MING W - Borrower <br />DocMagic <br />www.docmagic.com <br />BANK 003161310 <br />FMDE 3_1307175758 <br />