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OX11f11MI 11 <br />BY SIGNING BELOW, Borrower accepts and agrees to thQ terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />91 _t JLA-�,� (Seal) <br />Scott T Laws - Borrower <br />(Seal) <br />Kath line M Laws - Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 <br />Page 15 of 16 <br />