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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 />IDS, Inc. <br />20140668 <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />- Witness <br />0 1-4\-- (Seal) <br />Nancy J Wr <br />STATE OF NEBRASKA, Hall County ss: <br />The r Sing instrument was acknowledged before me this day of c3 Aker- <br />by Loyed Jay Wren and Nancy J Wren. <br />Witness my hand and notarial seal at /.?ot/ in __ in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />- Borrower <br />NEBRASKA - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />