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Acknowledgment <br />State o.Nebraska <br />County of <br />Hall <br />This instrument was acknowledged before me on September 30, 2014 by <br />Charles J. Kral, Kimberly K. Kral <br />,e?otAoil <br />Notary Public <br />My commission expires: June 19, 2015 <br />Loan origination organization First National Bank of Omaha <br />NMLS ID 412727 <br />Loan originator Becky Sandiland <br />NMLS ID 286127 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolers Kluwer Financial Services <br />GENERAL NOTARY • State of Nebraska <br />SARAH M WILES <br />My Comm. Exp. June 19, 2015 <br />ime.nnnAm <br />201406257 <br />Form 3028 1/01 <br />VMP6(NE) (130200 <br />Page 15 of 15 <br />