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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 />Borrower <br />Cr". <br />o It L Shafer <br />Kathryn K. Kowalski and Colt L. Shafer <br />anah m .0,0 <br />Notary Public <br />My commission expires: <br />June 19, 2015 <br />11 ?g — i2_ <br />Date <br />Seal <br />Acknowledgment <br />State of Nebraska <br />County of _R311 <br />This instrument was acknowledged before me on November 28, 2012 b <br />201209980 <br />GENERAL NOTARY - State of Nebraska <br />SARAH M WILES <br />My Comm. Exp. June 19, 2015 <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP8 05/12 <br />Wolters Kluwer Financial Services 201211274.1.1.2336- J20120829Y Page 16 of 16 <br />