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244907535 <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 />MARY NN M ELSBERND Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by MARY ANN M ELSBERND, before me on September 4, 2009. <br />In witness whereof, I hereunto set my hand and, if applic le, m official seal. ` <br />„~ <br />My commission expires: 5/10/2011 <br />A MAY R ~' _____ <br />CONSUMER LOAN OFFICER residing at CON MER LOAN OFFICE. <br />_... . _._ ~ _ , ~ Hall County, N.E <br />-_... __._.. _......_• Acting in fhe C.:ounty of 4#all, NE <br />6EPIEIiAt. NOTARY -Stilts of Nebraska <br />LISA R.IVWYER <br />(Official Se 1 ' My Comm. ~. May 10, 2011 <br />THIS INS'T'RUMENT 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 />Crand Island, NE 68801 Grand Island, NE 68801 <br />R'r 2004.2009 Compliance Systems, Inc. 157R-C:3EF - 2009.04.57 <br />Consumer Rcal Estate -Security InFUUment UL2036 Yage 5 of 5 www.cnmpliancesystems.com <br />