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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 />14) (Seal) <br />Kevin J Willey - Borrower <br />IDS, Inc. <br />- Witness <br />STATE OF NEBRASKA, Hall County ss: <br />The fore oing instrument was acknowledged before me this / day of <br />A7Cf, , by Kevin J Willey and Cynthia Willey. <br />Witness my hand and notarial seal at m said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />selew+lt. ravwr • lure of Olebrooka <br />DANIEL. ROTH <br />*Comm Gip. Mill, 2016 <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />Notary Public Daniel Roth <br />201304035 <br />- Witness <br />