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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 />Bethany Skod <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />FHA Deed of Trust With MERS -NE <br />Bankers Systems VMP a <br />Wolters Kluwer Financial Services <br />05/02/2016 (Seal) <br />- Borrower <br />II! I II IIII 1 111 III IIIII I I ICI IIII 1 II III II I I IIIII III <br />201602710 <br />9130/2014 <br />VMP4N(NE) (1508).00 <br />Page 18 of 17 <br />