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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 />(Seal) <br />- Borrower <br />eather M Gosda <br />STATE OF NEBRASKA, Hall County ss: <br />The foawirlg instrument was acknowledged before me this 3" day of �,o <br />by Friedrich L Gosda and Heather M Gosda. <br />Witness my hand and notarial seal at4209AftfekA, G.w.dre464Ein said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <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/Freddle Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />201405893 <br />- Witness - Witness <br />Form 3028 1101 <br />