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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 />Michael S Cockerham <br />My Commission Expires: April 7, 2016 <br />- Witness <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this day of Zi/y <br />.20/3 , by Michael S Cockerham an Justine R Cockerham. <br />Witness my hand and notarial seal at 009 etwari,Lblein said County, the date aforesaid. <br />o Pubaniel Roth <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />IDS, Inc. <br />201305984 <br />- Witness <br />