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X0090"7909 <br />BY SIGNING BELOW, Borrower accepts and agrees to the teams and covenants contained in all pages of this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />JAMES A JOYC Date TERRI L JOYCE Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by JAM S A JOYCE and TERRI L JOYCE, before me on <br />September 21, 2009. In witness whereof, I hereunto set y h and, if ap lica le, my ofEcial seal. <br />My commission expires: 5/10/2011 ~ <br />CONSUMER LOAN OFFICER residing at SA MAYER <br />CONSUMER LOAN OFFI R <br />' Hall County, NE <br />~~~.~~ Acting in the County of Hall, NE <br />U5A R. MAYErR <br />My Canpn. exp. May 10, 2011 <br />(Officia15ea1) <br />THIS INSTRUMENT PREFARED BY: <br />Home Federal Savings & Loan Association 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. 1 BU2-7F23 - 2009.07.355 <br />Consumer Real Lstate -Security Instrument bL2036 Page 5 of 5 www.campliancesystems.com <br />