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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 />Michael Garretson <br />tra- A <br />Jodi L Garretson <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />2015(596 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP ® VMP6(NE) (1302) <br />Wolters Kluwer Financial Services Page 16 of 17 <br />