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200207383 <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 />Borrower <br />(Seal) <br />Borrower <br />Teal) \n� tj-odGl, 0�,_��IXV�QSeal) <br />Dwer Melinda A. Semen Borrower <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 July 12, 2002 <br />by Aaron J. Semm and Melinda A. Semm, Husband and Wife <br />(Serial Number, if any) <br />Borrower <br />arosik QFnM ebraska SIK. 2003 <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mae UNIFORM INSTRUMF.N I Form 3028 1/01 <br />DOCUINr.12 (Page 12 Of 12 page-q) <br />OOCn1NEC.VT% 02/22/2000 <br />9 <br />