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<br />~oioos43s <br />BY SIGNING BELOW, 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 />(Seal) <br />Douglas Lie KobmlCkl -Borrower <br />1 <br />(Seal) <br />Kimberly Loft s is -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />[Space Below Thls Llne For Acknowledgment] <br />STATE OF NEBRASKA, Hall County ss: <br />On this 1st day of September 1.2010 ,before me, the undersigned, a Notary Public <br />duly commissioned and qualified For said county, personally came <br />Douglas Lee Kosmicki and Kimberly Lofing Kosmicki, Husband and Wife <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his/her/their voluntary act and deed. <br />Witness my hand and notarial seal at Grand Island, NE <br />in said county, the date aforesaid. <br />My Commission expires: g•as • ~ ~j <br />NfRAI NOTAR1r -State Df Welxa~Cat <br />DEVRA MCELROY aura McElroy <br />My Comm, Exp. Aug. 25, 2013 <br />-Notary Public <br />NEBRASKA- Single Family -Fannie Mae/FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI #FNMA3028 4/02 Page 13 of 13 <br />