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200411492 <br />BY SIGNING BELO , Borro r accepts and agrees to the terms and covenants contained <br />in this a rity Instru nt m y der executed by Borrower and recorded with it. <br />- Borrower - Daniel L. Gray - Date - <br />1 -D <br />- Borrow - Cheryl D. Gra - Date - <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />DOCU 1 NE 12 (Page 12 of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />I <br />