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<br />Loan No. <br /> <br />22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together <br />with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and <br />supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security <br />Instrument. [Check applicable box(es)] <br /> <br />200902391 <br /> <br />o Condominium Rider <br />D Planned Unit Development Rider <br /> <br />o Graduated Payment Rider 0 Growing Equity Rider <br />o Other [Specify] N I F A ADD END U M <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any <br />rider(s) executed by Borrower and recorded with it. <br /> <br />Witnesses: <br /> <br /> <br />(Seal) <br />8orrower <br /> <br />(Seal) <br />Borrower <br /> <br />(Seal) <br />Borrower <br /> <br />(Seal) <br />Borrower <br /> <br />STATE OF NEBRASKA, HAL L County ss: <br /> <br />The foregoing instrument was acknowledged before me this 3 1 s t day of Mar c h 2 0 0 9 <br />by MICHAEL J ZULKOSKI AND KAREN HARVEY-HOLMES. AS HUSBAND AND WIFE <br /> <br />Witness my hand and notarial seal atG RAN 0 I S LAN 0 . N e nSilidkQounty, the date aforesaid. <br /> <br />t <br /> <br /> <br />GENERAL NOTARY. Stale of__ <br />HOLLY THEIS <br />My Comm. Exp. Oct. 27.2012 <br /> <br /> <br />My Commission Expires: <br /> <br />NE FHA DOT <br /> <br />1/96 <br /> <br />Page 6 of 6 <br /> <br />AFTER RECORDING MAIL TO: <br />PLATTE VALLEY STATE BANK & TRUST CO <br />2 2 2 3 S E CON D A V E <br />KEARNEY <br />ATTN: MORTGAGE LOAN DEPARTMENT <br />