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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />STATE OF Nebraska <br />My Commission expires: Jut, 30, 2018 <br />Prepared By: <br />GENERAL NOTARY - State of Nebraska <br />ROBERTA L. REED <br />My Comm. Exp. July 30, 2018 <br />NEBRASKA - Single Family - FHA Security Instrument - MERS <br />FORM 3028 9114 <br />Laser Forms Inc. *FHA3028MERS 6/15 Page 14 of 14 <br />[Space Below This Line For Acknowledgment] <br />Loan Origination Company & NMLS Id: Charter West Bank - 466077 <br />Loan Originator & NMLS Id.: Roberta L Reed - 491146 <br />/01 (Seal) <br />Matthew Allen Zulkoski - Borrower <br />Andrea Jane Zulkoski <br />Lt Teote 114sfx <br />/1 lg• <br />Ro erta Llteed <br />20170125; <br />(Seal) <br />- Borrower <br />(Seal) <br />•Borrower <br />(Seal) <br />- Borrower <br />Hall County ss: <br />On this 24 th day of February, 2017 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Matthew Allen Zulkoski AND Andrea Jane Zulkoski Husband and Wife <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument <br />and acknowledged the execution thereof to be his/her /t eir voluntary act and deed. <br />Witness my hand and notarial seal at Gr nd Island <br />in said county, the date aforesaid. <br />- Notary Public <br />