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200410324 <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 />(Seal) <br />Celine M Richards - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />STATE OF NEBRASKA, HALL <br />The foregoing instrument was acknowledged before me this 21 s t <br />2004 by Celine M Richards <br />Witness my hand and notarial seal at GRAND ISLAND <br />County, the date aforesaid. <br />GENERAL NOTARY - State of Nebraska <br />MARNIE SCHAGER SUNOERMSER <br />My Comm. Exp. Sept. 8, 2001 <br />day of October <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />County ss: <br />in caul <br />My Commission Expires: <br />0120224324 <br />40-4R(NE) (0305) Page 8 of 8 <br />J <br />