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200112548 <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 />1i, 9 L i �P% C—_ n � (Seal) <br />STEVEN R SP - 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, BALL County ss: <br />The foregoing instrument was acknowledged before me this 5TH day of DECEMBER <br />2001 , by STEVEN R SPEARMAN <br />Witness my hand and notarial seal at <br />County, the date aforesaid. <br />My Commission Expires: January 30, 2004 <br />'I GENERAL. NOTARY-State of Nebraska <br />DEBRA J. KOZAK <br />Ny Comm. Exp. Jan. 30,2M <br />Grand Island, Nebraska <br />Notary Public <br />M- 4R(NE) (9801) Page 8 of 8 <br />in said <br />