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.+ <br />�oiousz�o <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 �orrower and recorded with it. <br />W itnesses: <br />� , ,�.- f,�. �--�-- - _ _ <br />Jeffrey W ayes <br />Cy ia R Hayes <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrawer <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall <br />County ss: <br />On this 3 rd day of November 3, 2010 , before me, the undersigned, a Natary Public <br />duly commissioned and qualified for said county, personally came <br />Jeffrey W Hayes and Cynthia R Hayes, Husband and Wife <br />to me known to be the identical p�rson(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: �� -� -�L� l� <br />� NEFWL NOTARY-State of Nebraska <br />LINpA M. GLAUSE <br />My Camm. Exp. Dec. 2, 2010 <br />Linda M Glause <br />L <br />-Notary Public <br />NEBRASKA- Single Family - PannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 30281/01 <br />LaserFormslna (800)448-3555 <br />LFI#FNMA3028 4102 Page13 of13 <br />