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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 />Borrower <br />200200473 <br />_(Seal) <br />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 7, 2002 <br />by William M. Spanel and Michelle M. Spanel, Husband and Wife <br />/ GEF. ,' ^ <br />11 aka <br />Signature of Perq6n t in nowledgment) L,4, <br />(Title or rank) fl AN10T� <br />Vic ZASKA <br />(Serial Number, if any) My <br />30. 2W <br />l) <br />�r <br />1) <br />�r <br />Borrower <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />DocUiNE12 (Page 12 of 12 pages) <br />DOCUINEC.VTX 02/22/2000 <br />