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2oioois47 <br />BY SIGNING BELOW, $orrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />~~ Stephen M Kruse <br />Borrower <br />Borrower <br />Borrower <br />Space Below This Line For Acknowledgment <br />STATE OF Nebraska ) <br />ss: <br />COUNTY OF Hall ) <br />(Seal) <br />(Seal) <br />(Seal) <br />I, Roberta L Reed , a Notary Public in and for said county and state, do hereby <br />certify that Ste hen M Kruse a sin le erson <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the <br />foregoing instrument, have executed same, and acknowledged said instrument to be his ,free and voluntary act <br />(his, her, their) <br />and deed that he executed said instrument for the purposes and uses therein set forth. <br />(he, she, they) <br />Witness my hand and official seal this 18th day of <br />My Commission Expires: 07/30/2010 <br />~# G~NEA-~L ^;'!"i "RY - State of Nebraska <br />~!l. Fro ~:, ~ ~ ~ r/~ ~.. I~~t:o <br />~~.+ My i'.omm. Ezp. July 30, 2010 <br />This instrument was prepared by: <br />March 2010 <br />~ (Seal) <br />Roberta Reed <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM 1NSTRLIMENT (HERS) Form 3U28 t/Ol (page 8 of$ pages) <br />12439.CV (11/07) 903541 Creative Thinking, Inc. <br />GOTO(000t11a0e) <br />