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20040OG99 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />- Borrower - Charles R. onowski - Date - <br />— Borrow 4f--7- Kimberley V. Hug es I Date — <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />