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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 />STATE OF NEBRASKA, Hall County ss: <br />My Commission Expires: June 26, 2017 <br />1 0ENERALNOTARY. Stab of Simko <br />ROXANNE K JOCI4UM <br />My Comm. Exp.,krw 28, 2017 <br />- Witness <br />(Seal) <br />- Borrower <br />Loan originator (organization): Exchange Bank; NMLS #: 872962 <br />Loan originator (individual): Roxanne K. Jochum; NMLS #: 872962 <br />/WI <br />J dyn .Johnson <br />'ZULU., . <br />Notary Public Roxanne K. Joch <br />The foregoing instrument was acknowledged before me this ° 7 1 day of <br />AO , by Caleb R. Johnson and Jordyn M. Johnson, husband and wife. <br />Witness my hand and notarial seal at in said County, the date aforesaid. <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />IDS, Inc. <br />201401740 <br />111 rch <br />- Witness <br />(Seal) <br />- Borrower <br />