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200102838 <br />LOAN #: 4311064 <br />22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security <br />Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements <br />of this Security Instrument as if the rider(s) were a part of this Security Instrument. <br />[Check applicable box(es)] <br />D Condominium Rider O Growing Equity Rider O Planned Unit Development Rider <br />D Graduated Payment Rider D Other(s) [specify] <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) <br />executed by Borrower and recorded with it. <br />Witnesses: <br />ATRICK B ROARK <br />C THRYN X ARK <br />Lek <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 2nd day of April, 2001 <br />by Patrick B. Roark and Cathryn L. Roark, Husband and Wife. <br />Witness my hand and notarial seal at <br />County, the date aforesaid. <br />My Commission Expires: January 30, 2004 <br />ixXft NOTARY SMU of N*Uka <br />DEBRA J. KOZAK <br />NI Comm. E* A& 30, 2004 <br />FHA Nebraska Deed of Trust - 4/96 <br />Grand Island, Nebraska <br />Notary Public <br />in said <br />Page 5 of 5 NEWHADE <br />