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200213409 <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 />Borrower <br />Borrower <br />_� <br />(Seal) <br />4T ---(Sea[) <br />Michael J. Islay Borrower Heidi S. Islay Borrower <br />(Seal) <br />Borrower <br />Below This Line For <br />STATE OF Nebraska <br />COUNTY OF Hall <br />The foregoing instrument was acknowledged before me on this November 25, 2002 <br />by Michael J. Islay and Heidi S. Islay, Husband and Wife <br />"RAI NOiggy_ <br />EOWAR Stale of Nebraska <br />Signature of Person ng act owledgment) - MY.omm. FxoJOcAROS1K <br />�/y/� g . 27, "R <br />(Title or rank) of �/V ��/T/�'Iy�C <br />(Serial Number, if any) <br />(Seal) <br />Borrower <br />NEBRASKA -Single Foady- Fannie Mac/Freddie Mac UNIFORM INSBU MF.NT Fur. 30281/01 <br />npeuPE¢ (Page 12 of ]2 pog <br />ccc..c. vss 02/22/2000 <br />