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20090257 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in all pages of this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />KAY ARTER Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by KAY D CARTER, before me on August 17, 2009. In witness <br />whereof, I hereunto set my hand and, if applicable, my officials <br />My commission expires: 5/10/2011 <br />CONSUMER LOAN OFFICER residing at `--L SA MAYER <br />CONSUMER LOAN OFFICER <br />--~ -.~---- ~ Ball County, NE <br />Acting in the County of Hall, NE <br />GENERAL NOTARY - State of Nehraaka <br />LISA R. MAYE;R <br />(Official Seal) "~"` My Comm. Exp. May 1U,?A11 <br />THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO: <br />Home Federal Savings & Loan Association of Home Federal Savings & Loan Association of <br />Grand Island Grand Island <br />221 South Locust Street 221 South Locust Street <br />Grand Island, NE 6$$01 Grand Island, NE 68801 <br />@'~ 2004.2009 Compliance Systems, Inc. 3578-CIA9 - 2009.04.57 <br />Consumer Rcal Estate -Security Instrument bL2036 Page S of 5 www.complianccsystems-cam <br />