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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 />I�Nt� -ke_ <br />g. C c 4-e. -. (Seal) <br />VALAR I E A HERBER - Borrower <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrower <br />0 Refer to the attached Signature Addendum for additional parties and signatures. <br />NMLS# 412727 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />120938 <br />20 403549 <br />Form 3028 1/01 <br />VMP6(NE) (1302) <br />Page 16 of 17 <br />