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20�10�25i <br />BY SIGNING BELOW, Bortower 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 />Wifiesses: <br />(Seal) <br />Douglas e Kosmicki -sorrower <br />, <br />� (Seal) <br />mberiy Lofing o ki -eorrower <br />(Seal) <br />-Borrower <br />(Seal) <br />-Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall County ss: <br />On this 23 rd day of September 23. 2011 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Douglas Lee Kosmicki and Kimberly Lofing Kosmicki, Husband and Wife <br />, <br />to me known to be the identical person(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 2009 N. Dier�s Ave., Grand Island, NE 68803 <br />in said county, the date aforesaid. <br />My Commission expires: �'-�5� / � <br />GENEfW. NOTARY - State of Nebraska ��� <br />DEVRA MCELROY Devra McElroy <br />?� MY Comn►. ExP. Au9. 25, 2013 <br />- Notary Public <br />NEBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LFI #FNMA3o2e 4/02 Page 13 of 13 <br />