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200300261 <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 />r <br />l_,I 1( 1 4 10 /a a L d _(Seal) <br />Charlene D. Gates Borrower <br />—(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />4 — (Seal) <br />Michael A. Gates 7 Borrower <br />_ <br />Below This Line For <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this December 24, 2002 <br />by Charlene D. Gates and Michael A. Gates, Wife and Husband <br />of <br />(Title <br />(Serial Number, if any) <br />:) Devra McElroy <br />t <br />2005 <br />.._. _. __._...(Seal) <br />Borrower <br />NEBRASKA-- Singlc Family -- Fannie Mae /FrMdk Mu UNIFORM 1Nhl RUMEN 'I Fur. 30281/01 <br />,wcwnrir (Cogsl2 f12pagel <br />xcmxrc.vrx 02122,2ooa <br />