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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 />Witnesses: <br />STATE OF NEBRASKA, <br />On this 21 st day of December, 2012 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Chad A Sheffield, Kayla M Sheffield <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. Diers Ave., Grand Island, NE 68803 <br />in said county, the date aforesaid. <br />My Commission expires: /(14 r <br />GENERAL NOTARY - State of Nebraska <br />EDWARD J. JAROSIK <br />My Comm. Exp. Nov, 14, 2015 <br />Chad A Sheffield <br />a rcq.Jarosi <br />NEBRASKA- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />201211240 <br />(Seal) <br />- Borrower <br />, - A' p -e/ , .-' (Seal) <br />IMdI Sheffield ( /l/ - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Space Below This Line For Acknowledgment] <br />Hall County ss: <br />-Notary Public <br />