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200310056 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, Hall <br />The foregoing instrument was acknowledged before me this 31st <br />2003 by CRAIG A RUZICKA, STEPHANIE J RUZICKA <br />Witness my hand and notarial seal at Grand Island <br />County, the date aforesaid. <br />My Commission Expires: <br />1XMYCM ERAL NOTARY - State of Nebraska <br />JACALYN A AYOUB <br />. E V. <br />Notary ublic <br />- 4R(NE) (9604).06 Page S of s <br />0 <br />day of July <br />(Seal) <br />arrower <br />(Seal) <br />grower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />County ss: <br />in said <br />