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200108694 <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 />(Seal) <br />KARLYE . KALKOWSKI - Borrower <br />(Seal) <br />- Borrower <br />Witnesses: <br />(Seal) <br />DEBR L. KALKO SKI - Borrower <br />(Seal) <br />- Borrower <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /O1 (page 13 of 14 pages) <br />GV2023.HP <br />