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19. APPLICABLE LAW. This Security Instrument is governed by the laws as agreed to in the Secured Debt, <br />except to the extent required by the laws of the jurisdiction where the Property is located, and applicable <br />federal laws and regulations. <br />20. RIDERS. The covenants and agreements of each of the riders checked below are incorporated into and <br />supplement and amend the terms of this Security Instrument. <br />[Check all applicable boxes] <br />❑ Assignment of Leases and Rents ❑ Other <br />21. ❑ CONSTRUCTION LOAN. This Security Instrument is a construction security interest which secures an <br />obligation incurred for the construction of an improvement on the Property. <br />22. ❑ ADDITIONAL TERMS. <br />SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security <br />Instrument and in any attachments. Trustor also acknowledges receipt of a copy of this Security Instrument on the <br />date stated on page 1. <br />(Si ture) MARK . HOOS <br />Security Instrument- Open- End - Consumer -NE <br />VMP® Bankers SystemsTM <br />Wolters Kluwer Financial Services ©1994, 2011 <br />- 9- - (3 <br />(Date) <br />GENERAL NOTARY • State of Nebraska <br />TERESA PICHLER <br />My Comm. Exp. Aug. 30, 2014 <br />(Signature) MICHELLE L H <br />ACKNOWLEDGMENT: <br />STATE OF NEBRASKA , COUNTY 0 } ss. <br />(Individual) This instrument was acknowledged before me this 9.T.H. day of AUGUST, 2013 <br />by MARK R. .HOOS; MICHELLE. L. HOOS,.HUSBANO.ANA WIFE <br />My commission expires: 08-30-2014 <br />201306691 <br />(Notary ' blic) <br />HALL. <br />TERESA PICHLER <br />OCP- REDT -NE 7/2 /2011 <br />VMP- C4661NE) 11107).00 <br />Page 6 of 6 <br />