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20200905 <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 />Witnesses: <br />/146/11/4%°atthew A Zulkoski <br />(Seal) <br />-Borrower <br />oon.,- (Seal) <br />Andrea J Zulko ki -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall <br />County ss: <br />On this 5 th day of December, 2020 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Matthew A. Zulkoski AND Andrea J. Zulkoski, Joint Tenancy <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his/her/their voluntary act and deed. <br />Witness my hand and notarial seal at Nebraska <br />in said county, the date aforesaid. <br />My Commission expires: <br />j'1 <br />A, GENERAL NOTARY - State of Nebraska <br />1111 ROBERTA L. REED <br />, ''- My Comm, Exp. July 30, 2022 <br />Loan Origination Company & NMLS Id: Charter West Bank - 466077 <br />Loan Originator & NMLS Id.: Roberta L Reed - 491146 <br />-Notary Public <br />NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM <br />INSTRUMENT <br />FORM 3028 1/01 <br />Laser Forms Inc. #FNMA3028-MERS 5/05 Page 13 of 13 <br />II 61 <br />I1L <br />101 <br />