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201308977 <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 />Borrower <br />Jerome A. Kreifels, a single person <br />!9 1.. <br />/'ry ' u' is <br />y commission expires: <br />- � — zo } 7 <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP® <br />Wolters Kluwer Financial Services 201311074.1.0.2547- J20130426Y <br />Acknowledgment <br />State of Nebraska <br />County of Hal 1 <br />This instrument was acknowledged before me on Nnvpmher R, 7013 by <br />1E11BiA1. - S1a1e d Nebrepro <br />JAN1GE K. BOE <br />*Coma. Ew. March 27, 2011 <br />11 <br />Form 3028 1/01 <br />03/13 <br />Page 16 of 96 <br />