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20110�747 <br />BY SIGIVING 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 />(Seal) <br />KENNETH J ESEN -Borrower <br />G <br />(Seal) <br />A Y B F R N -Borrow er <br />_ (Seal) <br />-Borrow er <br />_ (Seal) <br />-Borrow er <br />0 Refer to the attached Signatur-e Addendurra for addirional parties and signatures. <br />231220 <br />NEBRASKA-Single Fam ily-Fannie M ae/Freddie M ec UNIFORM INSTRUM ENT Form 3028 1I01 <br />VMP� VMP6NE) 1105 <br />Wolters Kiuwer Flnancial Services Page i8 of 1� <br />