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200310110 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Secur' rument and in any Rider executed by Borrower and recorded with it. <br />P -/ -Q3 <br />- Borrower - Tho a J. Backe�r- Date- <br />- Borro ody L. Backer - 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 />1' <br />