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200502929 <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 />KEVIN LUTZ - Borrower <br />M (Seal) <br />ANN SUKRAW -LUTZ - 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 25th day of March, 2005 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />KEVIN LUTZ, ANN SUKRAW -LUTZ, 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 sea] at 6 r" 115 1CL a <br />in said county, the date aforesaid. <br />My Commission expires: <br />GENERAL NOTARY - SM of Nebraska -Notary Public <br />ELIZABETH A GARDUNO <br />-- My Comm. E1�. Nlardl z, 2009 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1101 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 1101 Page 13 of 13 <br />