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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 />Kent Koch <br />My Commission Expires: April 7, 2016 <br />MEW rimy. Otte al WNW <br />DANIEL ROTH <br />Comm. - 7, 2011 <br />IDS, Inc. <br />- Witness <br />(Seal) '1`° <br />- Borrower Kac y " E o <br />STATE OF NEBRASKA, Hall County ss: <br />F <br />The foregoing instrument was acknowledged before me this P day of <br />.:2O /Sr , by Kent K Koch and Kace E Koch. <br />Witness my hand and notarial seal at said County, the date aforesaid. <br />Notary ' blic Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />201403976 <br />- Witness <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />