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200406166 <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 ecorded with it. <br />i c0) ( <br />- Bor w - Ger d J owland D.at - / <br />nrrnw2r - Sandra S Howland'- Date - <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3028 1/01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />V <br />