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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 />Rodolfo A Romero <br />STATE OF NEBRASKA, Hall County ss: <br />- Witness <br />Lucia Rivas De Romero <br />The foregying instrument was acknowledged before me this day of / %CI y <br />/ , by Rodolfo A Romero and Lu is Rivas De Romero. <br />Witness my hand and notarial seal at/�Ki�/.,� in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />GENERAL NOTARY -Male d Nebula <br />DANIEL ROTH <br />I* Comm. Eq. April 7,2018 <br />NEBRASKA -Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 13 of 13 <br />IDS, Inc. <br />201402802 <br />- Witness <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />Form 3028 1/01 <br />