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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 />.1E46 Letiy <br />(Seal) <br />Dirk A. Ludwig - Borrower <br />r <br />.' �.�. (Seal) <br />aci J. Ludwig Q� - Borrower <br />STATE OF NEBRASKA, <br />On this 7 th day of March, 2013 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Dirk A. Ludwig, Laci J. Ludwig <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: g <br />GENERAL EV RA MCELROY <br />My Comm. Exp. Aug. 25, 2013 <br />vra McElroy <br />NEBRASKA- Single Family - FannieMae /FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 9/11 Page 13 of 13 <br />[Space Below This Line For Acknowledgment] <br />Hall County ss: <br />20130199 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />-Notary Public <br />