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2ooso~44o <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 />~ -~~y <br />MICHAEL J CLEARY bate DEBORAH S CLEARY Date <br />~ ~. bate <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by MSC AEL .I CLEARY and DEBORAH S CLEARY, before <br />me on September 2, 2009. In witness whereof, I here to s and and, i plic , m offici 1 seal. <br />My commission expires: . <br />residing at ~ ~ <br />Hall County, NE <br />1,I$A R. MAYER Acting in the County of Hall, NE <br />My Comm. Elm. May 10, 2011 <br />(OfEcial Seal) <br />THIS INSTRUMENT PREPARED BY: <br />Home Federal Savings & Loau Associatiou 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 />~ 2004-2009 Compliance Systems, Inc. 3578-4CSE - 2009.04.57 <br />Consumer Real Estate -Security Instrument DL2036 Page 5 of 5 www.compliancesyatems.com <br />