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200503300 <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 />(Seal) <br />JOANNE 'M. KLEIER - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Witness: <br />State of Nebraska <br />County of HALL <br />Witness: <br />.-._ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_--_ (Seal) <br />- Borrower <br />The foregoing instrument was acknowledged before me this <br />by JOANNE M. KLEIER <br />Iil GENERAL NOTARY - State of Nebraska <br />CURIE R. MINCER <br />My Comm. EXW <br />(Seal) <br />lgnature of Person Ming Acknowledgment <br />Title <br />Number, if any <br />My commission expires: <br />NEBR4SKA— Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS DQCMagiCE11' <�rod 800 -649 -1362 <br />Form 3028 1/01 Page 10 of 10 www.axaVc.corn <br />Ak3073I.nTed latem <br />