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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 />E nold <br />Stan ey <br />STATE OF NEBRASKA, Hall County ss: <br />The fore o}jg instrument was acknowledged before me this .x? day of eke.- <br />o�Y , by Stanley E Arnold and Patsy Arnold <br />Witness my hand and notarial seal aJA //e�••d�.lim said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />- Witness <br />Seal <br />- Borrower <br />201404118 <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/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />- Witness <br />Form 3028 1/01 <br />