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<br />.""1., .. <br /> <br />200900712 <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 />/1A~~ ;(~ <br /> <br />Denise Kozel <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br /> <br />-Borrower <br /> <br />[Space Below This Line For Acknowledgment] <br /> <br />ST ATE OF NEBRASKA, <br /> <br />Hall <br /> <br />County 58: <br /> <br />On this 30 th day of Januarv 30. 2009 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Denise Kozel. an Unmarried Woman <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 <br />in said county, the date aforesaid. <br /> <br />My Commission expires: /2 /3 tJ /; (J <br /> <br />~ GENERAL NOTARY - State of Nebraska <br />/III VICKY J. ZABKA <br />MyComm. Exp. Dec. 30. 2010 <br /> <br />~~ leei-'-- <br /> <br />Vick J Zabka r <br /> <br />-Notary Public <br /> <br />NEBRASKA- Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI #FNMA3028 4102 Page 13 of 13 <br />