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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 />J Paro <br />- Witness <br />(Seal) <br />- Borrower <br />- Witness <br />Co <br />STATE OF NEBRASKA, Hall County ss: <br />The foregging instrument was acknowledged before me this / 11- day of /f 1 il <br />, by Cody J Paro and Libia D Pa f/k/a Libia D Schardt. <br />Witness my hand and notarial seal at /.ZDY�/ �a: said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />IDS, Inc <br />Notary Public Daniel roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />ibis D Paro a Libia D Schardt r - Borrower <br />NEBRASKA - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 13 of 13 <br />201403383 <br />