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201309795 <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 /> 12/10/2013 (Seal) <br /> Kent D. Bi rni a -Borrower <br /> 12/10/2013 (Seal) <br /> Yvonne A. Bi rni e -Borrower <br /> (Seal) <br /> -Borrower <br /> (Seal) <br /> -Borrower <br /> 1 Refer to the attached Signature Addendum for additional parties and signatures. <br /> I II IIII I 1111111111111 II IIII 1111111111111 II Ill <br /> q03322160284 0233 283 1617 <br /> k /rte] <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS j)/3 Fonn 3028 1/01 <br /> VMP® VMP6A(NE)(1302).00 <br /> Wolters Kluwer Financial Services Page 16 of 17 <br />