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201004841 <br />BY IGNING B OW, Borrower accepts and agrees to the terms and covenants contained in all pages of this <br />S cu ' Inst t and in a Ri er executed by orrower and recorded with it. <br />RICHARD D RAILS Date DENISE M RAILS Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by RICHARD D RAILS and DENISE M RAILS, before me on <br />June lb, 2010. In witness whereof, I hereunto set my han and, ' pplicable, my official seal. <br />My commission expires: 5/10/2011 ~ ~- ~ ' ~ <br />LISA R MAYER <br />CONSUMER LOAN OFFICER <br />GENERAL NOTARY - State of NeGraska Hall County, NE <br />LISA R. MAYER <br />My Comm. Exp. May 10, 2p1) Identification Number <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 b8801 <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. 002D-D6CB - 2009.12.368 <br />Consumer Real 8state -Security Instrument bL2036 Page 5 of 5 www.eomplianccsystcros.com <br />