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�V������� <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in all pages of this <br />Sec 'ry Instrument and in any Rider executed by Borrower and recorded with it. <br />���- ��,�. f - � � 1 <br />HOWARD E FREAR Date KRISTENE R FREAR Date <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by HOWARD E FREAR and KRISTENE R FREAR, before me <br />on January 5, 2011. In witness whereof, I hereunto set my han d, if applicable, my official seal. <br />My commission expires: ��- � r � > 2 �� � ,� � <br />____._.._.� <br />GENERAL NOtARY- State of Nabraska <br />CHRIS L. KASKIE <br />My Comm. Exp. Dec. 29, 2012 <br />Hall County, NE <br />Identification Number <br />(Official Seal) <br />THIS INSTRUMENT PREPARED BY: <br />Home Federal5avings & 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 & Loan Associarion of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br />O 2004-2010 Compliance Systems, Inc. EEOB-E219 - 2010.03378 <br />Consumer Real Estate - Security instrumeat DL2036 Page 5 of 5 www.compliancesystems.com <br />