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<br />200903712 <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the tenns and covenants contained in all pages of this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br /> <br />@ ~~. N". r~ <br />" ROBERT M P ANOWICZ ~ Date <br /> <br />INDIVIDUAL ACKNOWLEDGMENT <br /> <br />STATE OF NEBRASKA ) <br />) <br />COUNTY OF HALL ) <br /> <br />The foregoing instrument was acknowledged by ROBERT M PANOWICZ, before me on May 11, 2009. In <br />witness whereof, I hereunto set my hand and, if applicable, my official seal. <br />My comnllssionexprres: ' fO ),OI( ~ /Lm(.U~ ) <br /> <br />GEHElW. NOTARY . S1a18 of NebrUka . . <br />USA R. MAYER <br />My Comm. EJp. _10, 2011 <br /> <br />(Official Seal) <br /> <br /> <br />THIS INSTRUMENT PREPARED BY: <br />Home Federal Savings & Loan Association of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br /> <br />AFTER RECORDING RETURN TO: <br />Home Federal Savings & Loan Association of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br /> <br /><0 2004-2008 Copyria~t Compliaoce Systems, Inc, 74ED-IOAD - 2008.10.289 <br />Coosumer Reat Estate. Security InSllllment D1..2036 <br /> <br />PageS nf 5 <br /> <br />www.compliancesystems,c:om <br />800.968-8522. Fax 616-956-1868 <br />