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202504278 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider signed by Borrower and recorded with it. <br />(Seal) PAPM GOA/I/V/6 (Seal) <br />-Borrower Teresa Garness -Borrower <br />Witness Witness <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT *DocMagic <br />Form 3028 07/2021 <br />Page 18 of 19 <br />