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200400904 <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 />Annette K Hovl an - Borrower <br />(Seal) <br />- Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 29th day of January <br />2004 by Annette K Hovland <br />Witness my hand and notarial seal at , <br />County, the date aforesaid. <br />My Commission Expires: <br />GENERAL. NOTARY - State of Nebraska <br />IRVIN J. REED <br />My Comm. EV. Dec. 17, 2006 <br />MAN(NE) (9e0201 <br />Grand Island <br />i <br />Notary Public <br />Page 8 of 8 <br />in said <br />