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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 />Borrower <br />/4V <br />Seal <br />Acknowledgment <br />State of Nebraska <br />County of Hall <br />This instrument was acknowledged before me on <br />201308012 <br />October 1, 2013 b <br />Karen K. Schneider and Thomas J. Schneider, wife and husband <br />N fry Pub is <br />y commission expires: <br />GENERAL NOTARY • State of Nebraska <br />JANICE K. BOEHLE <br />My Comm. Exp. March 27, 2017 <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP® 03/13 <br />Wolters Kluwer Financial Services 201309304.1.0.2547- J20130426Y Page 16 of 16 <br />11 <br />11 <br />