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Borrower <br />Borrower <br />STATE OF NEBRASKA ) <br />ss: <br />COUNTY OF HALL ) <br />On this 17Lh day of Aoril. 2002, before me, the undersigned, a Notary Public duly commissioned <br />and qualified for said county, personally came Kevin L. Kreifals and Anita J. Kreifels. Husband and Wife <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be their voluntary act and deed. <br />Witness my hand and notarial seal at Grand Island in said county, the date aforesaid. <br />My Commission expires: q-1 -0 <br />.. 0 . <br />G ENNL 7AT <br />MICHELLE R M/CIM.EWA <br />