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201104G0� <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 Bonower and recorded with it. <br />Wimesses: <br />� <br />� f I � K.�►"'�� (Seal) <br />orro er Joseph A. Krolikowski <br />� � l[����/ <br />VD �s�i� <br />B�n W Carina K. Krolikowski <br />Borrower <br />(Seal) <br />(Seal) <br />Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF Nebraska <br />COUNTY OF Hall <br />) <br />) ss: <br />) <br />I� Debra A Young V.P. , a Notary Public in and for said county and state, do hereby <br />certify that Joseph A. Krolikowski and Carina K Krolikowski, 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 17th day of <br />My Commission Expires: 07/24/2011 <br />This instrument was prepared by: <br />McKayla Slocum <br />Farmers and Merchants Bank <br />3015 2nd Avenue <br />Kearney, NE 68847 <br />June , 2011 <br />Debra A g V.P: <br />GENERAL NOTA'HY�'Sfate of Nebraska <br />DEBRA A. YOUNG <br />� My Comm. Exp. July 24, 2011 <br />(Seal) <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac iJNIFORM INSTRUMENT (MERS) Form 3028 1/Ol (page 8 of 8 pages) <br />12439.CV (1/08) Kll49GMAC Creative Thinking, Inc <br />GOTO(OOObd6t2) <br />