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200010778 25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] Adjustable Rate Rider Fj Graduated Payment Rider r F_� Balloon Rider Rate ❑ Other(s) [specify] ❑ Condominium Rider 1 -4 Family Rider Planned Unit Development Rider Biweekly Payment Rider ❑ Rate Improvement Rider Second Home Rider BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: L G64/ kARLYV'K KALKOWSKI Borrower (Seal) DEB L KALKOWS I - Borrower (Seal) (Seal) - Borrower - Borrower State of Nebraska County of Hall This foregoing instrument was acknowledged before me on this December 5, 2000 (date) by Karlye K. Kalkowski and Debra L. Kalkowski (name of person acknowledged). GENERAL NOTARY-State Of NebnaM " _R tm� 111 DEVRA McELROY (Signature of person taking ackn wl dgment) Dev ra MCE l roy _ My Comm. Exp. Aug. 25, 2001 (Title or rank) Loan 0 f f i e (Serial number, if any) REQUEST FOR RECONVEYANCE TO TRUSTEE: The undersigned is the holder of the note or notes secured by this Deed of Trust. Said note or notes, together with all other indebtedness secured by this Deed of Trust, have been paid in full. You are hereby directed to cancel said not or notes and this Deed of Trust, which are delivered hereby, and to reconvey, without warranty, all the estate now held by you under this Deed of Trust to the person or persons legally entitled thereto. Date DOCUINE6 Page 6 of 6 Form 3028 9/90 D0CUINE6.VTX 05/02/2000