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OX11911W, PA <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />�rri'r!`2c Seal <br />Mike Panowi cz - Borrower <br />P(Seal) <br />Patricia Panowi cz - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Refer to the attached Signature Addendum for additional parties and signatures. <br />231181 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3026 1/01 <br />VMP OO VMP6(NE) (1105) <br />Wolters KIuW er Financial Services Page 6 of 17 <br />