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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 />erran C W ens <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this <br />Day , by Gerran C Wilkens and Tonya C Wilkens. <br />Witness my hand and notarial seal at <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />EMAIL NOTARY -Ste d Maks <br />DANIEL ROTH <br />1A� Comm. Exp. Apd 7,2016 <br />- Witness <br />Seal <br />- Borrower <br />Notary Public Daniel Rot <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />20.1402236 <br />- Witness <br />(Seal) <br />- Borrower <br />day of Att <br />in said County, the date aforesaid. <br />