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200112500 <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 />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />eal) L . wit X�l (Seal) <br />Christopher M. Nichols Bo rower Jacil Nichols Borrower <br />(Seal) (Seal) <br />Borrower Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this November 29, 2001 <br />by Christopher M. Nichols and Jaci C. Nichols f /k /a Jaci C. Johansen, <br />Husband and Wife <br />J440�D Ova' S.- <br />Signature of Pe n tak' acknowledgment) <br />(Title or rank) ,a, 09. <br />(Serial Number, if any <br />(! GENERAL NOTARY -State of Nebraska <br />EDWARD J. JAROSIK <br />My Comm. Exp. Oct. 27, 2003 <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />nocUiNE12 (Page 12 of 12 pages) <br />D0CUINEC.VTX 02/22/2000 <br />