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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 />Witnesses: <br />(Seal) <br />OBERT D KOPY T N KY - Borrower <br />Seal) <br />ELIZ ETH M KOPYSTYN Y orrower 74 <br />(Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, <br />. (Seal) <br />- Borrower <br />. (Seal) <br />- Borrower <br />Hall County ss: <br />On this 11th day of July, 2003 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />ROBERT D KOPYSTYNSKY, ELIZABETH M KOPYSTYNSKY, HUSBAND AND WIFE, JTWROS <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his /her /their voluntary act and deed. <br />Witness my hand and notarial seal at Grand Island, Nebraska <br />in said county, the date aforesaid. <br />My Commission expires: January 30, 2004 <br />GENERAL NO=ot DEMy Com <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 1/01 Page 13 of 13 <br />I <br />1' <br />L <br />-Notary Public <br />