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200103'09 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Borrower <br />Borrower <br />(Seal) �1��""'y«p�, /' t � �Y�tYzB� (Seal) <br />NORMAN R. KROLIKOWSKI Borrower SANDRA M. KROLIKOWSKI Borrower <br />(Seal) (Seal) <br />Borrower Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged before me on this ZOc, !, <br />by NORMAN R. KROLIKOWSKI AND SANDRA M. KROLIKOWSKI <br />Signature of Person taking acl�fi wledgment) DEVRA MCELROY <br />(Title or rank) It GENERAL NOTARY-State of Nebraew <br />DEVRA Me <br />AR !hm (Serial Number, if any) MY Comm. E>�. Aug. 2S, 2001 <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />DOMINE 12 (Page 12 of 12 pages) <br />DOCUINEC.VTX 12/02/2000 <br />