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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 />onathan P. Niebuhr <br />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall <br />201401 680 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />County ss: <br />On this 21 st day of March, 2014 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Jonathan P. Niebuhr, Kay L. Niebuhr <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: 8i 25- r/ <br />al& <br />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Devra A. McElroy - 472748 <br />NEBRASKA Single Family - FannieMae /FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />Devra McElroy -Notary Public <br />