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BY SIGNING BELOW, Borrower 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 />My Commission Expires: April 7, 2016 <br />!Mira <br />t NO1ARY <br />DANIEL ROTH <br />My Comm. 61p.AO7,201A <br />annon Crosby <br />STATE OF NEBRASKA, Hall County ss: <br />The oregoing instrument was acknowledged before me this of r , <br />by Ralph D Crosby and Shannon Crosby. <br />Witness my hand and notarial seal at /2i Y060kOr in said County, the date aforesaid. <br />Notary Public Daniel roth <br />2012/0839 <br />NEBRASKA - Single Family - Fannle Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1101 <br />Page 13 of 13 <br />- Witness <br />(Seal) <br />- Borrower <br />