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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 />ACL r, C v% V J (Seal) <br />ADRIANA ARROYO - Borrower <br />- Borrower <br />— (Seal) (Seal) <br />- Borrower - Borrower <br />Borrower <br />_(Seal) <br />- Bomwcr <br />-Bu owe, <br />_(Seal) <br />- Borrower <br />STATE OF NEBRASKA, BALL County ss: <br />The foregoing instrument was acknowledged before me this 14th day of February , <br />2003 ,by ADRIANA ARROYO, a single person <br />Witness my hand and notarial seal at GRAND ISLAND NE in said <br />County, the date aforesaid. <br />My Commission Expires: <br />R GENERAL NOT 2001b <br />c <br />Notary Public <br />®"41INEI usic,u u Page 8018 <br />