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200408401 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />(Seal) (Seal) <br />CHAD J GAWRYCH - Borrower LORI A GAWRYCH - Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />State of Nebraska <br />Witness: <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />County of HALL <br />The foregoing instrument was acknowledged before n3e this Z6j4 G1 �j 3GCL L 1 <br />by CHAD J GAWRYCH, LORI A GAWRYCH <br />" C&'&, <br />Title <br />Serial Number, if any <br />GENERAL PHA NIState of Nebraska <br />(Seal) My co asst exptPHANIE L SPANEL <br />My Comm. Exp. Nov. 22, 2004 <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS DocMagicaw 800- 649 -1362 <br />Form 3028 1/01 Page 10 of 10 www.docmagic.com <br />Ne3028.mzd. I O.tem 1111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 <br />