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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 />- Witness - Witness <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT <br />Page 13 of 13 <br />IDS, Inc. <br />( <br />Betsy Casas <br />Notary Pub is Daniel Rot <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />201400885 <br />STATE OF NEBRASKA, Hall County ss: <br />The fo a oing instrument was acknowledged before me this �7 day of <br />1 , by Janyer Diaz and Betsy Casas. <br />Witness my hand and notarial seal at(Wf4# L in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />(Seal) <br />- Borrower <br />Form 3028 1/01 <br />