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BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any <br />rider(s) executed by Borrower and recorded with it. <br />(Seal) <br />l) <br />r' Adam S 0'Cal 1 aghan - Borrower <br />Rachael C 0'C <br />Seal) <br />- Borr wer <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />FHA Deed of Trust -NE <br />VMP <br />Wolters Kluwer Financial Services <br />201402067 <br />0451401333 <br />4/96 <br />VMP4R(NE) (1302) <br />Page 9 of 10 <br />