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<br />\ <br />. <br /> <br />200709617 <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 /> <br />~- . J'-L~~--: -tf-fv-ef <br />clew . <br /> <br />" Sandra S Howland <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />(Seal) <br /> <br />"Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />[Space Below This Line For Acknowledgment] <br /> <br />STATE OF NEBRASKA, <br /> <br />Hall <br /> <br />County ss: <br /> <br />On this 8 th day of November 8. 2007 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Gerald J Howland and Sandra S Howland, Husband and Wife <br /> <br />to me known to be the identical person(s) whose namc(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 <br />in said county, the date aforesaid. <br /> <br />My Commission expires: 8/25/0Q <br /> <br />j GENERAL NOTARY. State of Nebraska <br />I~ DEVRA McELROY <br />My Comm. Exp. Aug. 25, 2009 <br /> <br /> <br />-Notary Public <br /> <br />NEBRASKA- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI#FNMA3028 4/02 Page 13 of 13 <br />