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20005721 <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 />J- (Seal) <br />Jos h D Kutl s - Borrower <br />% (Seal) <br />Ronna R Kutlas - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />C -S(NE) (o811) Page 14 of 15 <br />i ,; r <br />Form 3028 1/01 <br />