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�+0 �. �� �. i`2 � <br />BY SIGNING BELOW, Bonower 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 />Derek J Apf <br />. <br />Bonnle J pfel <br />(Seal) <br />- Borrower <br />(Seal) <br />-Borrower <br />�$P.a.l� <br />-Borrower <br />(Seal) <br />-Borrower <br />STATE OF NEBRASKA, <br />[Space Below This Line For Acknowtedgment] <br />Hall <br />COUR�' SS: <br />On this 3 rd day of February 3, 2012 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Derek J Apfel, Bonnie J Apfel <br />, <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 />Wimess my hand and notarial seal at 2009 N. Diers Ave., Grand Island, NE 68803 <br />in said county, the date aforesaid. <br />My Commission expires: ] I�f �/'I I� <br />�. A �TARY - .�iB �A�B�� <br />EDWARp J. JAROSIK <br />�' � �• 1�►v,14� 2�iS <br />a <br />Edward J . 8f S -Notary Public <br />NEBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Fortns Inc. (800) 446-3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />