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200105931 <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 />(Seal) <br />Borrower <br />(Seal) �� (Seal) <br />S. Koperski Borrower Misty Koperski Borrower <br />Borrower Borrower <br />[Space Below This Line For Acknowledgmentl <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this June 12, 2001 <br />by Jerry S. Koperski and Misty M. Koperski, Husband and Wife <br />14-116, GENERAL NOTARY State 0f Nebnsw VICKY J. ZABKA Signa re of Pers taki ac wledgment) My Comm. Exp. Dec. 30. 2002 <br />(Title or rank) <br />(Serial Number, if <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />DOCUINE12 (Page 12 of 12 pages) <br />DOCUINEC.VTX 02/22/2000 <br />Form 3028 1 /01 <br />