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20o�;:s a <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />S PHEN M FOSTER - Borrower <br />(Seal) <br />DENISE A FOSTER - Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />HALL County ss: <br />On this 8th day of November, 2002 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />STEPHEN M FOSTER, DENISE A FOSTER, HUSBAND AND WIFE JTWROS <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 his /her /their voluntary act and deed. <br />Witness my hand and notarial seal at <br />in said county, the date aforesaid. <br />My Commission expires: <br />A GENERAL P:0 i; AY• aEO of t ,'Ebraska <br />y NA'.A! IE A MEYER Notary Public <br />Ccmm. ExD Dec 12, 2004 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 1/01 Page 13 of 13 <br />