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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 />Borrower <br />SILAS A CROMER <br />11116.1 6 1 <br />Notary Pu.li w <br />My commission ;xpires: <br />,70 15 <br />1-1 <br />Acknowledgment <br />State of Nebraska , / <br />County of () U. <br />This instrument was acknowledged before me on kirmni a), c20 +L/ by <br />Silas A. Cromer and Melanie L. Cromer, husban d and wife <br />GENERAL NOTARY - State of Nebraska <br />MARNIE SCHAGER SUNDERMEIER <br />My Comm. Exp. Sept. 8, 2015 <br />201401012 <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP® 09/13 <br />Wolters Kluwer Financial Services 201402204.1.7.2669- J20131029Y Page 6 of 17 <br />NI <br />111 <br />