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�o <br />BY SIGrTING BELOW, Borrower accepts and agrees to the terms and covenants contained in all <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />�«.P� �°�/�•l/ <br />J EPH R KOVARIK Date <br />WILMA L KOVARIK Date <br />10642G <br />rages of this <br />e� �� <br />INDIVIDUAL ACKNOWLEDGMENT <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged by JOSEPH R KOVARIK and WILMA L KOVA <br />on August 19, 2011. In witness whereof, I hereunto set hand and, if applicable, my official seal. <br />My commission expires: ��'� <br />< <br />������� Hall Coun NE <br />LISN R. MAYER tY� <br />�tq (�. [tcp. Itl�y iQ �td Identification Number <br />(Official Seal) <br />THIS INSTRUMENT PREPARED BY: <br />Home Federal Savings & Loan Association of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br />before me <br />AFTER RECORDING RETURN TO: <br />Home Federal Savings & Loan Associa 'on of <br />Grand Island <br />221 South Locust Street <br />Grand Island, NE 68801 <br />� 2004-ZO10 Compliance Systems, Inc. EEOB-D32F - 20I0.03378 <br />Consumer Real Estate - Secisity Instnunrnt DL2036 Page 5 of 5 <br />