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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 />Mark J hrisman <br />Step anie A Rowland <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />(Seal) <br />- Borrow er <br />20150127 <br />Stephanie A Rowland signs solely for purpose of waiving marital rights and /or <br />homestead rights without personal obligation for repayment of sums secured by <br />this Security Instrument. <br />2200512828 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />D V6NE <br />Form 30281/01 <br />VMP6(NE) (1302) <br />Page 16 of 17 <br />