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200113440 <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 />Borrower <br />Borrower <br />h (Seal) <br />Ka An Houtwed 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 19, 2001 <br />by Kevin Houtwed and Karen Houtwed, Husband and Wife <br />Signature of Person taking ackno a gment) Devra McElroy <br />c <br />(Title or rank f, Lt N 10 <br />(Serial Number, if any LNGTARY- SiatedN&aska <br />DEVRA MCELROY <br />My Comm. Exp. Aug. 25.2005 <br />_(Seal) <br />Borrower <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />DoculNE12 (Page 12 of 12 pages) <br />D0CUINEC.VTX 02/22/2000 <br />