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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 />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />- Witness <br />Seal <br />- Borrower <br />(Seal) <br />Deborah T Holmes - Borrower <br />Notary Public Daniel Roth <br />NEBRASKA - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />201 400281 <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this day of Tip //bt4 7 <br />P•/ by Douglas A Holmes and De rah T Holmes. <br />Witness my hand and notarial seal at 40/ / /th 54:"412:4<hdtin said County, the date aforesaid. <br />- Witness <br />