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200203510 <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 & IC &'S - eal) <br />Venda S Kulhanek - Borrower <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, <br />The foregoing instrument was acknowledged before me this 28th <br />2002 by Brenda S Kulhanek <br />Witness my hand and notarial seal at <br />County, the date aforesaid. <br />My Commission Expires: <br />GENERAL NOTARY -Stale of Nebraska <br />I IRVIN J. REED <br />MY Comm. Exp. Dec. 17, 2002 <br />Grand Island <br />Notary Public <br />®- 4R(NE) M0401 Page a of a <br />4 <br />- Borrower <br />(Seat) <br />- Borrower <br />_(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />Hall County ss: <br />day of March , <br />in said <br />