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BY SIGNING BELOW, B rrower accepts and agrees to the terms and covenants contained <br />in this Security Ins ent and ' any Rider exec by Borrower and recorded with it. <br />- Borr er J f y L. Powers - Date - <br />/R/� /ILRIZN /i <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />DOCUINE12 (Page Il of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />6 <br />