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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 />44.4, 165 <br />IVAN D RUIZ PACHECO <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Witness: Witness: <br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 14 of 15 <br />201604771 <br />c es iSQtefi1 fic 64m6 (Seal) <br />JERUSALEM HERAS GAMEZ - Borrower <br />DocMaglc earmagi <br />www.docmagic.com <br />