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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants <br />contained in this Security Instrument and in any Rider executed by Borrower and recorded with <br />it. <br />Witnesses: <br />MICHAEL D HIEB <br />GAIL R HIEB <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />NEBRASKA — Single Family -- Fannie Mee/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />GCC - G3028 -18 (09/01) (Page 18 of 19) <br />201401 336 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />