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201307743 <br /> 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 /> A <br /> '4 <br /> (Seal) <br /> J. n R Higgins Jr / -Borrower <br /> l /X A/X , (Seal) <br /> Karen M Higgins j -Borrower <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 Form 3028 1/01 <br /> VMP® VMP6(NE)11105) <br /> Wolters Kluwer Financial Services Page 16 of 17 <br />