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201902947 <br />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 />Anew Gdowski <br />l <br />(Seal) l ,X A.()'1 <br />-Borrower Abb i e Otto <br />(Seal) <br />-Borrower <br />NEBRASKA --Single Family --Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 13 of 14 <br />DocMag/c atiffORDSB <br />www.docmagic.com <br />