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2009045'78 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in all pages of this <br />ecurity Instrument d i an Rider executed by Borrower and recorded with it. <br />-v ~-~~7 <br />EL J NITZEL Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by DANIEL J NITZEL, before me on Jnne 1, 2009. In witness <br />whereof, I hereunto set my hand and, if applicable, my offici~'seal <br />My commission expires: 5/10/2011 ~~ ~ -~- / / ~ C> ` ~..-/ <br />L R AYER <br />GEN~AAINOTAHY-~Of hlebteBrte CONSUMER LOAN OFFICER <br />LISA R MAYER <br />(Official Seal) ter L`omm. 6~, Msy t0' 2011 <br />THIS INSTRUMENT PREPARED BY: <br />Home Federal Savings & Loan Assoclation of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <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 />@7 2004-2008 Copyright Compliance Systems, Inc. 74ED-7:1017 - 2008.10.289 www.complianccsystcros.com <br />Consumer Rcal Estate -Security Instrument DL2036 Page 5 of 5 800-968-8522 -Fax 616-956-1868 <br />