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200211125 <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 />Thomas R. Gardner Borrower <br />(Seal) <br />Borrower <br />Seal) <br />Borrower <br />(Seal) <br />Borrower <br />L C' (Seal) <br />Beth L. Gardner Borrower <br />(Space Below This Line For Acknowledgmenti <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this October 8, 2002 <br />by Thomas R. Gardner and Seth L. Gardner, Husband and Wife <br />F <br />(Seal) <br />Borrower <br />GENERAL NOtAgY- Slae01 Nebraska <br />Signa[ur k_ aeknow gnen[) Edward J. Janos ik {°J� MEOW ARO J. JAROSIN <br />ErG. 00 V. 2003 <br />(Title or rank) <br />(Serial Number, if any) <br />NEHRSti — Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMES 1 Form 30281An <br />IrvF.I+ (Paye13 f171wg.) <br />oocvi�+ec.vrex ox /xi /x000 <br />