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2'01000194 <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 />Q'"~ (Seal) <br />PHIL J ERS -Borrower <br />(Seal) <br />TERRI L HARDERS -Borrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />_ (Seal) <br />-Borrower <br />NEBRASKA -Single Family -Fannie Mae!Freddie Mac UNIFORM INSTRUMENT <br />-BINEI (08111 Page 14 of 15 Farm 3028 1/09 <br />