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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 />Michael A Hruska <br />STATE OF NEBRASKA, Hall County ss: <br />The ong instrument was acknowledged before me <br />y by Michael A Hruska and I i$y L Hruska. <br />Witness my hand and notarial seal at/ <br />My Commission Expires: April 7, 2016 <br />- Witness <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />this o day of l/C fZ9AA'' <br />in said County, the date aforesaid. <br />201406917 <br />- Witness <br />otary ublic Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />Form 3028 1/01 <br />