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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 />44/A <br />RICHARD FRAZER RAFFAEL I <br />PAULA JE RAFFAEL <br />LaL <br />NMLS# 412727 <br />NEBRASKA-Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />11114263 <br />201402686 <br />Form 3028 1/01 <br />VMP6(NE) (1302) <br />Page 16 of 17 <br />