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200303498 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terns and covenants contained <br />in this Security Instrument and in any Ir ecuted by Borrower and recorded with it. <br />di <br />rrower - K'ar /lye K Kalkowski - Date - <br />- Bo rower Debra L Kalkowska. - Date - <br />NEBRASIA-- Single Fmnily-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />uocmNe�x (Page 12 of 13 pages) <br />OOCII1xE C.vxx O6/t9/3003 <br />