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200305314 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Securi nstrument and in any Rid executed by Borrower and recorded with it. <br />- Borrower - Collins S. Albers - 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 />i <br />r <br />