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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 />f-/4 <br />Caleb L Stefka <br />STATE OF NEBRASKA, Hall County ss: <br />- Witness <br />(Seal) <br />- Borrower <br />201405364 <br />The forego' g instrument was acknowledged before me this '' '�' day of /1,6--_,„57 <br />v , by Caleb L Stefka. <br />Witness my hand and notarial seal at said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />eilt&SALIZOIRY •RAN alNapa <br />DANIEL ROTH <br />Gomm 1 ?JONI <br />otary Public Daniel Roth <br />Loan originator (organization): Exchange Bank NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />!Mina <br />- Witness <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 <br />Page 13 of 13 <br />