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19. APPLICABLE LAW. This Security Instrument is governed by the laws as agreed to in the Secured Debt, <br />except to the extent required by the laws of the jurisdiction where the Property is located, and applicable <br />federal laws and regulations. <br />20. RIDERS. The covenants and agreements of each of the riders checked below are incorporated into and <br />supplement and amend the terms of this Security Instrument. <br />[Check all applicable boxes] <br />El Assignment of Leases and Rents ❑ Other <br />21. ❑ CONSTRUCTION LOAN. This Security Instrument is a construction security interest which secures an <br />obligation incurred for the construction of an improvement on the Property. <br />22. ❑ ADDITIONAL TERMS. <br />SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security <br />Instrument and in any attachments. Trustor also acknowledges receipt of a copy of this Security Instrument on the <br />date stated on page 1. <br />(Signa <br />COBY R. RATHMAN <br />Rein <br />Security Instrument -Open- End - Consumer -NE <br />VMP® Bankers SystemsTM <br />Wolters Kluwer Financial Services ©1994, 2011 <br />(if <br />(Date) <br />TERESA PICHLER <br />201403027 <br />ACKNOWLEDGMENT: <br />STATE OF NEBRASKA , COUNTY OF HALL.CAUN.T.Y } ss. <br />(individual) This instrument was acknowledged before me this B.T.H 8 day of MAX,.20.14 <br />by CORY R..RATHMAN;.JAIME L.RA.T.HMAN,.HUUBAND.ANA M EE. <br />My commission expires: 08.30.2014 <br />OCP- REDT -NE 7/2/2011 <br />VMP -C 4651 N E 1 111071.00 <br />Page 6 of 8 <br />