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1�V�11�V I <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />Witnesses: <br />�e (Seal) <br />FERNANDO SANTOYO - Borrower <br />' � (Seal) <br />BEATRIZ LEDESMA- DE S OYO - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, HALL <br />The foregoing instrument was acknowledged before me this 29TH day of JANUARY <br />2001 ,byFERNANDO SANTOYO AND BEATRIZ LEDESMA- DE SANTOYO, HUSBAND AND <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />County ss: <br />WIFE <br />Witness my hand and notarial seal atQJ,t in said <br />County, the date aforesaid. <br />My Commission Expires: <br />XGENERAL NOTARY-State of Nebraska �-� - <br />���` KATHRYN KWSKA <br />Notary Public <br />My Comm. Exp. Aug. 1, 2002 <br />M4RINE) 196011 Page 8 of 6 <br />