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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 />5'-�- /r <br />- BORROWER - TONY L GROTZKY - DATE - <br />A / - , _ 4 Z '�3 <br />- BORROWER - RAR -N M GROTZKY - DATE - <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged before me this 22ND day of APRIL, 2013, by <br />TONY L GROTZKY AND KAREN M GROTZKY, HUSBAND AND WIFE, AS JOINT TENANTS <br />WITH RIGHT OF SURVIVORSHIP. <br />Notary Public <br />My Commission Expires: <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />410i0 338.9 Page 14 of 14 <br />201303462 <br />1111070539 <br />GENERAL NOTARY - State of Nebraska <br />WANDA K. WINDER <br />My Comm. Exp. Oct 21, 2014 <br />Form 3028 1 /01 <br />