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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 />STATE OF NEBRASKA, Hall County ss: <br />IDS, Inc. <br />iTARY • Raita of Nolui l <br />DJM,Fa ROTH <br />IVCann DX ptY 7.2Of6 <br />The o oing instrument was acknowledged before me this / /— day of 7/G )4l4y <br />o y - by Judy K Whitecalf. <br />Witness my hand and notarial seal at /6 lw,.d.rg[s in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />20 1406615 <br />- Witness <br />(Seal) <br />- Borrower <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 />