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Date: NOVEMBER 29, 2013 <br />Loan Number: 2004464300 <br />Lender: CITIMORTGAGE <br />Borrower: ADRIANE M UMMEL, JARED W UMMEL <br />Property Address: 408 E SOUTH ST, GRAND ISLAND, NEBRASKA 68801 <br />NOTICE OF NO ORAL AGREEMENTS <br />THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE <br />PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, <br />CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. <br />THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES. <br />Receipt of Notice. The undersigned hereby admit to having each received and read a copy of this Notice on or <br />before execution of the Loan Agreement. "Loan Agreement" means one or more promises, promissory notes, <br />agreements, undertakings, security agreements, deeds of trust or other documents, or commitments, or any <br />combi . . tion o those actions or doc ents, pursuant to which a financial institution loans or delays repayment of or <br />agre • lo or delay repayment ( f •ney, goods or . y other thing of value or to otherwise extend credit or make <br />a fi : rl % omTodation. <br />n•ower <br />JARED W UMMEL <br />Borrower <br />Borrower <br />Borrower <br />Borrower <br />201309771 <br />Date <br />lasze-D <br />Date <br />Date <br />Date <br />Date <br />Date <br />10012013_105 2004464300 <br />First American Mortgage Services Page 6 <br />