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. <br />� <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 />� <br />(Seal) <br />Michael Alan alvo a -sorrower <br />(Seal) <br />Stacey Lyn Kalvo -sorrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-sorrower <br />[Space Below Thls Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall County ss: <br />On this 24 th day of September 24, 2072 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Michael Alan Kalvoda, Stacey Lynn Kalvoda <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 />Witness 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: ��ll [��/ � <br />� GENERAL N07AAY-State of Nebraska �� <br />EDWqqp �, �qROSIK Edward J. Jarosik -Nomry Pubnc <br />M1' �mm. Exp. NOV.14, 2015 <br />NEBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Fortns Inc. (800) 446-3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />