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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 />(Seal) <br />Mon Galvan - Borrower <br />tit A4 krif _ <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall County ss: <br />On this 9 th day of October, 2013 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Monte J. Galvan, Loni S. Galvan <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his/her /their voluntary act and deed. <br />Witness my hand and notarial seal at 2009 N. Diers Ave., Grand Island, NE 68803 <br />in said county, the date aforesaid. <br />My Commission expires: $'' Z5-17 <br />t IERAI.NO M '>tedNebraska <br />DEVRA A. MCELROY <br />My Comm. Exp. August* 2017 <br />evra McElroy <br />a <br />NEBRASKA- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />2013084 <br />(Seal) <br />Loni S. alvan - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />-Notary Public <br />