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20100018 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />~~V -~ <br />. (Seal) <br />BRUCE E SCHREINER -Borrower <br />`) <br />y <br />n ~- k <br />,/ ~ . --meal) <br />VICICIE J ,S~HREINER -Borrower <br />,NE~BR,ASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />V~Y~-WINE) ~oa11i Page 14 of 15 <br />(Seal) <br />-Borrower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />-Borrower <br />Fprm 3028 1/07 <br />