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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />GENERAL AN CE State <br />. BOEHLE <br />My Comm. Exp. March 27, 2013 <br />- BORROWER - CATHERINE L. SKARNIAK - DATE <br />NEBRASKA — Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />oitiO 338.9 Page 14 of 14 <br />STATE OF !_ :tthi .o h'/.1 <br />COUNTY OF <br />The foregoing instrument was acknowledged before me this ° day of <br />Z.,41 , by KENNETH A. SKARNIAK AND CATHERINE L. SKARNIAK, <br />USBAND WIFE. _ <br />201300872 <br />451215011 <br />My Commission Expires: �7r,, O /3 <br />Form 30281/01 <br />