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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and dr 2 ecuted by Borrower and recorded with it. <br />PHILIP S RAMS <br />CHRISTINE E RAMSEL <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />El Refer to the attached Signature Addendum for additional parties and signatures. <br />NMLSIt 412727 <br />NEBRASKA- Single FamUy- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />121604 <br />1) 0 1 4 05 <br />Form 3028 1/01 <br />VM P6(N (1302 <br />Page 6of17 <br />