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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 />Brandon Packer <br />STATE OF NEBRASKA, Hall County ss: <br />My Commission Expires: April 7, 2016 <br />IDS, inc. <br />- Witness <br />al) <br />- Borrower <br />201405759 <br />n said County, the date aforesaid. <br />- Witness <br />Seal <br />- Borrower <br />The fore goipg instrument was acknowledged before me this � day of C/11/Ol , <br />/5/ , by Brandon Packer and Alycia Packer. <br />Witness my hand and notarial seal <br />otary 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/Freddle Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />