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<br />,. <br />. <br /> <br />-, . <br /> <br />200704165 <br /> <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 /> <br />Witnesses: <br /> <br /> <br />-Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />- (Seal) <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />[Sp~ce Below This Line For Acknowledgment] <br /> <br />STATE OF NEBRASKA, <br /> <br />Hall <br /> <br />County 5S: <br /> <br />On this 15 th day of Mav 15. 2007 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personal1y came <br />John R. Croghan and Krista K. Croghan, Husband and Wife <br /> <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 Grand Island, NE 68803 <br />in said county, the date aforesaid. <br /> <br />My Commission expires: <br /> <br /> <br />-Notary Public <br /> <br /> <br />GENERAL NOTARY. State 01 Nebraska <br />1m EDWARD J. JAROSIK <br />My Comm. Exp. Nov. 14,2007 <br /> <br />NEBRASKA- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc (BOO) 446-3555 <br />LFI #FNMA3028 4/02 Page 13 of 13 <br />