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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 />ames E Cryer <br />Tammy A <br />STATE OF NEBRASKA, Hall County ss: <br />Thee��fore �oipg instrument was acknowledged <br />0 1 y , by James E Cryer, Jam es J Crti <br />Witness my hand and notarial seal at <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />- Witness <br />(Seal) <br />- Borrower <br />Seal <br />- Borrower <br />r ;nd Tammy A Cryer. <br />in said County, the date aforesaid. <br />before me this p?? of <br />of S ;ly <br />201404 <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 - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />