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200203140 <br />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 />`1/i -0. /7; (Seal) <br />Michael D Ruzickd 0 - Borrower <br />- Borrower <br />- Borrower <br />- Borrower <br />STATE OF NEBRASKA, <br />The foregoing instrument was acknowledged before me this 22nd <br />2002 by Michael D Ruzicka <br />Witness my hand and notarial seal at <br />County, the date aforesaid. <br />My Commission Expires: <br />GENERAL NOTARY -State of Nebraska <br />il IRVIN J. REED <br />My Comm. Exp. Dec. 17, 2002 <br />Grand Island <br />Notary Public <br />(M- 4R(NE) i9e0401 Page a of e <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Hal l County ss: <br />day of March , <br />in said <br />