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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 />Eric A Howells <br />(Seal) <br />- Borrower <br />NEBRASKA — Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 13 of 14 <br />April M Howells <br />201805825 <br />(Seal) <br />- Borrower <br />DadNag/c MO <br />www.docmagic.com <br />