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200412197 <br />16600704 <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 />\ <br />2C-0 <br />- BORROWER - GINA M. TOBERER - DATE - <br />Witnesses: <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3028 1 /01 <br />DDO UCUKNZDw (Page 13 of 14) <br />rx 06/10/200a <br />