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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 />STATE OF NEBRASKA, <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />Hall County ss: <br />On this 27 th day of November, 2013 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Zachary Scott Lingeman <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: T-25- 17 <br />01 11 <br />Devra McElroy <br />NEBRASKA- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LF I #FNMA3028 9/11 Page 13 of 13 <br />201309360 <br />(Seal) <br />cha cott Lingeman - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />-Notary Public <br />