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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 />Ross P Olson <br />- Witness <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foreing instrument was acknowledged before me this day of .4 <br />e '20/ , by Ross P Olson and Kelly K Ol n. <br />Witness my hand and notarial seal at �. y,/1�e N n said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />GEN& LNOTARY•Set NeUi a <br />DAN RO TH <br />Mr Corm. bp. AM 7, 2016 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1101 <br />Page 13 of 13 <br />201307962 <br />- Witness <br />Notary Public Daniel Roth <br />