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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Securi Instrument and in any Rider executed by Borrower and recorded with it. <br />JA SHULTZ - DATE - <br />S ATE OF NEBRASKA <br />COUNTY OF HALL <br />The foregoing instrument was acknowledged before me this 4TH day of FEBRUARY, 2013, by <br />JAMES EMERSON SHULTZ, A /K /A JAMES E SHULTZ, AND JACKIE E SHULTZ, HUSBAND <br />AND WIFE AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP. <br />Notary Public <br />My Commission Expires: <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />338.9 Page 14 of 14 <br />K.(64,i,c co, <br />i <br />201301232 <br />1111069146 <br />GENERAL NOTARY - State of Nebraska <br />WANDA K. WINDER <br />My Comm. Exp. Oct 21, 2014 <br />Form 3028 1/01 <br />