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200412380 <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) <br />STEVEN E. KOSINSKI - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Witness: <br />(Seal) <br />TINA M. KOSINSKI - Borrower <br />Witness: <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />State of Nebraska <br />County of HALL <br />The foregoing instrument was acknowledged before me this LJ �-) <br />by STEVEN E. KOSINSKI, TINA M. KOSINSKI <br />ADRIANEJ. WATCH <br />General Notary <br />state of Nebraska <br />Commission Et ices Jun 28, 2005 <br />(Seal) <br />Z�L_ ) - z v4a:�a <br />Signature of Person Takin knowledgment <br />Z4 <br />Title <br />Serial Number, ' any <br />My commission expires: 'Zk <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS DocMagict'..+ by 800- 649 -1362 <br />Form 3028 1/01 Page 10 of 10 www.docmagic.com <br />