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201403163 <br />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 />STATE OF NEBRASKA, Ball County ss: <br />The foregoing instrument was acknowledged before me this //`r day of <br />Q 7eV /y by Michelle L Ruzicka. <br />Witness my hand and notarial seal at&AP/rrtio".4 L. Arin.er,staC,14thi said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />otary Public Daniel Ro <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />GENERAL NOTARY -Side dNebo <br />DANIEL ROTH <br />IN Coma Bp. AO 7,2016 <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1101 <br />Page 13 of 13 <br />IDS, Inc. <br />- Witness <br />(Seal) <br />- Borrower <br />