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200101635 <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 />(Seal) <br />Kq 1 y - Borrower <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />STATE OF NEBRASKA, Hal 1 County ss: <br />The foregoing instrument was acknowledged before me this 2nd day of March <br />2001 by Kelly J Zapp <br />Witness my hand and notarial seal at , <br />County, the date aforesaid. <br />My Commission Expires: <br />46 GENERAL NOTARY-State of Nebraska <br />IRVIN J. REED <br />1MY Comm. Exp. Dec. 17, 2002 <br />(M- 4R(NE) (9604).01 <br />B <br />Grand Island <br />Notary Public <br />i/ <br />Page 8 of 8 <br />in said <br />