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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 />(Seal) <br />KEL Y A Vii' K - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />NMLS# 407650 <br />NEBRASKA-Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP 0 <br />Wolters Kluwer Financial Services <br />115293 <br />VM rm 3028 1/01 <br />P6(NE) (1302) <br />Page 16 of 1 <br />