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201007023 <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 />STATE OF Nebraska <br />COUNTY OF Hall <br />ss: <br />(Seal) <br />I, Roberta L Reed , a Notary Public in and for said county and state, do hereby <br />certify that Timothy S Higgins and Dee Ann Higgins, husband and wife <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 their ,free and voluntary act <br />(his, her, their) <br />and deed that they executed said instrument for the purposes and uses therein set forth. <br />(he, she, they) <br />Witness my hand and official seal this 20th day of September 2010 <br />My Commission Expires: 07/30/2014 <br />6EN~RAI NOTAtsr - Site of Ne4r~tM~i <br />R08ERTA L REEp (Seal) <br />Mp t3oiml. E>~. Juh 30,1014 ob rt L Reed <br />This instrument was prepared by; <br />NF.BRASIU--Single Family--Fannie Mae/Freddie Mac 1JNIFORM INS'I"RUMENT (MFRS) Form 3028 1/Ot (page 8 of 8 pages) <br />12439.CV (I/US) 904483 CrCative'I'hinking, InC. <br />~~ <br />,. <br />~y''~ / "" (Seal) <br />Borrower Tim y S Higgins <br />In ~`1 ~ (Seal) <br />Borrower 1)ee n Higgi <br />(Seal) <br />Borrower <br />Borrower <br />Space Below This Line Far Acknawledgment~ <br />GOTO(001275cri) <br />