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2o~oo5i5o <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 />1 <br />MICHAEL A PANOWICZ Date PATRICIA M PANOWICZ ate <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged b MICHAEL A PANOWICZ and PATRICIA M PANOWICZ, <br />before me on l / ~- 'tness whereof, I hereunto set my hand and, if applicable, <br />my official seal. <br />My commission expires: 5/10/2011 <br />S R A R <br />G~ldt:RAt. NU7AAY • State of Nebraska CO SUMER LOAN OFFICE <br />41SA R. MAYER Hall County, NE <br />My Camm. E>rp. May 10, 2011 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 68801 <br />AFTER RECORDING RETURN TO: <br />Home Federal Savings & Loau Association of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br />®2004.20D9 Compliance Systems, Inc. 002D-E839 - 2009.12.368 <br />Consumer Real Estate -Security Instrument DL2036 Page 5 of 5 www.compliancesystems.com <br />