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200200467 <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 />(Seal) <br />Virgil E. Berney, Jr. Borrower <br />(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />(Seal) <br />Linda M. Berney Borrower <br />(Seal) (Seal) <br />Borrower Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this January 3, 2002 <br />by Virgil E. Berney, Jr. and Linda M. Berney, Husband and Wife <br />Signature of Person taking ac <br />(Title or rank) f V- <br />I <br />(Serial Number, if any) t- <br />Devra McElroy <br />DEVRA MCELROy <br />'10M. Ev• Aug. 25, 2005 <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mae UNIFORM INSTRUMENT <br />DOCU I NE 12 (Page 12 of 12 pages) <br />D0CUINEC.VTX 02/22/2000 <br />4 <br />Form 3028 1/01 <br />