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24100128E <br />BY SIGNING BEf,OW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />~,~ . _ ~. <br />/~ _.. (Seal) <br />Borro r Gar .Frerichs <br />~ ~ (Seal) <br />I3o r Julie A. Frerichs <br />(Seal) <br />Borrower <br />Borrower <br />)Space Below This Line Far Acknowledgment) <br />STATE OF Nebraska ) <br />ss: <br />COUNTY OF Flatte ) <br />(Seal) <br />i, Karen S. Siemek , a Notary Public in and for said county and state, do hereby <br />certify that Gard J. Frerichs and Julie A. Frerichs, Husband and Wife, as Joint Tenants <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the <br />foregoing instrument, have executed same, and acknowledged said instrument to be ~ their ,free and voluntary act <br />(his, her, their) <br />and deed that they executed said instrument for the purposes and uses therein set forth. <br />(he, she, they) <br />Witness my hand and official seal this 26th day of February _ 2010 <br />My Commission Expires: p8/28/2012 <br />GENEIiAI. NOTARY • State of Nebraska (Seal) <br />KAREN S. SI~MEK aren S. Siemek <br />My Comm. Exp. Aup. 28, 2012 <br />'This instrument was prepared by: <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac [1NIFORM INSTR[!MENT Form 3028 1/01 (puge 8 of8 pages) <br />9'754.CV (3/09) v9-25b76 Creative Thinking, Ine. <br />UOTO(000333d9) <br />~ ., t <br /> <br />