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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 />42,1 <br />Brad M Kool <br />- Witness <br />(Seal) <br />- Borrower <br />201403844 <br />- Witness <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The , fgying instrument was acknowledged before me this Gx(�`� day of <br />v� by Brad M Kool. <br />Witness my hand and notarial seal at 4/ 6iI lftiIA in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERS Form 3028 1101 <br />Page 13 of 13 <br />IDS, Inc. <br />