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200110604 <br />DOC ID # 000073563341201 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />MICHAEL R VOLF - Borrower <br />(Seal) <br />J- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />STATE OF NEBRASKA, Ball County ss: <br />The foregoing instrument was acknowledged before me this 17th day of October, 2001 <br />,by Michael R. Volf and Penny M. Volf, husband and wife. <br />Witness my hand and notarial seal at Grand Island, Nebraska in said County, <br />the date aforesaid. <br />My Commission Expires: January 30, 2004 <br />Notary Public <br />X AL NO � So of Nebraska <br />DEBRA J. h Comm. E>Ip <br />- 6A(NE) (0005).01 CHL (01/01) Page 11 of 11 Form 3028 1101 <br />