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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 />IDS, Inc. <br />Blake J Schwa <br />A GENERAL NOTARY - State of Nebraska <br />DANIEL ROTH <br />e My Comm. Fxp. Aprl 7, 2016 <br />- Witness <br />Seal <br />- Borrower <br />201308460 <br />- Witness <br />(Seal) <br />Elisabeth R Schwa - Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The for egoing instrument was acknowledged before me this 3 day of QGf b.4Pj <br />by Blake J Schwartz and Elisabeth R Schwartz. <br />Witness my hand and notarial seal at 1 _ a.,m-z_ e.✓ in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />otary Public Daniel Roth <br />NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />