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Acknowledgment <br />State of Nebraska <br />County of Hal l <br />This instrument was acknowledged before me on July 14, 2014 by <br />Jade D Ballard, Shelly L Ballard <br />Notary ' 'lie <br />Mindy ilberr .n <br />My commission expires: 05/16/2016 <br />Loan origination organization Home Federal Savings and Loan Assn of Grand Island <br />NMLS ID 446443 <br />Loan originator Kevin Ottman <br />NMLS ID 494664 <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />201404300 <br />GENERAL NOTARY - State of Nebraska <br />MINDY GIL.BERTSON <br />My Comm. Exp. May 16, 2016 <br />Form 3028 1/01 <br />VMP6(NE) (1302) <br />Page 17 of 17 <br />