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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 />23 7 j�t,w� (Seal) <br />Craig EO'Brien - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />F Refer to the attached Signature Addendum for additional parties and signatures. <br />FHA Deed of Trust -NE <br />Bankers SystemsTM VMP <br />Wafters Kluwer Financial Services <br />201601219 <br />9/30/2014 <br />VMP4R(NE) (1506).01 <br />Page 16 of 17 <br />