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200011082 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />CHERYL-X TORRES - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, HALL County ss: <br />The foregoing instrument was acknowledged before me this 22ND day of DECEMBER, 2000 <br />,by CHERYL A TORRES , A SINGLE PERSON <br />Witness my hand and notarial seal at GRAND ISLAND NEBRASKA <br />County, the date aforesaid. <br />My Commission Expires: January 30, 2004 <br />Notary Public <br />g�NERAI NOTARY -State Di Nebraska <br />OSSM J. KOZAK <br />2004 <br />(MARME) (9604).03 Page 8 of 8 <br />QD <br />in said <br />