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200200740 <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 />4 ael K k Borrower <br />_(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />_(Seal) <br />Borrower <br />^ t tc' to c.J (Seal) <br />Kimberly Krecklow 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 11, 2002 <br />by Michael L Krecklow and Kimberly A Krecklow, Husband and Wife <br />t- <br />Signature of Person taking acknowledgment) <br />(Title or rank) <br />(Serial Number, if any) <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />DocU i NE 1 z (Page 12 of 12 pages) <br />D0CUINEC.VTX 02/22/2000 <br />_(Seal) <br />Borrower <br />III GENERAL NOTARY-State of Nebraska <br />JODY L. ESERHARDT <br />My Comm. Exp. July 28, 2003 <br />Form 3028 1/01 <br />