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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 />Rhonda K Denman <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 2Z day of i / 1r - e-- <br />D/ , by Rhonda K Denman. <br />Witness my hand and notarial seal atafr.4 //..Q. Gi „ / in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />oANla EioTH <br />*Comm. Apill7,MI <br />- Witness <br />Seal <br />- Borrower <br />201401937 <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 - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />