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200112801 <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 />(Seal) (N L _ h( -- (Seal) <br />Th as R. Gardner Borrower Beth L. Gardner 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 December 6, 2001 <br />by Thomas R. Gardner and Beth L. Gardner, Husband and Wife <br />41'rol C a4"' 7 — <br />Signature of Person Wing aaclAowledgment) <br />(Title or rank) / . "r <br />(Serial Number, if any <br />_I GENERAL NOTARY -State of Nebraska <br />EDWARD J. JAROSIK <br />My Comm. EQ. Oct. 27, 2003 <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />DocUINE12 (Page 12 of 12 pages) <br />DOCUINEC.VTX 02/22/2000 <br />