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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 />vien <br />ector M Rubio <br />IDS, Inc. <br />- Witness <br />Seal <br />- Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />GENERAL N011tRY- Slate of Nataga <br />DANIEL ROTH <br />*Comm. Exp. A017, 2016 <br />‘ZATie <br />The instrument was acknowledged before me this / day of AA' <br />by Hector M Rubio and Maria L Rubio. <br />Witness my hand and notarial seal at/jOYAVAtt.. said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />201 401 825 <br />- Witness <br />Seal <br />- Borrower <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family - Fannie Mae/FreddM Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />