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~oioo4~55 <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 />BARRY A SKALBERG Date TRACI L SKALBERG Date <br />INDIVH)UAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was aclrnowledged by BARRY A SKALBERG and TRACI L SKALBERG, before me <br />on June 30, 2010. In witness whereof, I hereunto set ray ha if a ~lic le, y official se 1 <br />My commission expires: 5/10/2011 I\ <br />ISA I~VIA R <br />CONSUMER LOAN OFFIC <br />GENFAAAL. NOTARY -State o1 Nebraska Hall County, NE <br />LISA R. AAAYER Identification Number <br />My Comm. Exp. May t0, 2011 <br />(Official Seal) <br />THIS INSTRUMENT PREPARED 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 />Ilome Federal Savings & Loan Association of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br />a~ 2D04-2009 Compliance Systems, Inc. 002D-C083 - 2009.12.368 <br />Consumer Real Estate -Security Instrument DL2036 Page $ of S www.eompliancesystems.com <br />