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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 />Jus <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />seka <br />GinijiAL NOTPAY- gals of Nooks <br />4 DANIEL ROTH <br />4i• <br />*CORM. UAW 7, 2b18 <br />-Witness <br />Seal <br />-Borrower <br />otary Public Daniel Roth <br />Loan originator (organization): Exchange Bank NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />201407107 <br />TE OF NEBRASKA, Hall County ss: <br />oregoi g instrument was acknowledged before me this '74 day of <br />a by Justin P Oseka and Ann JL Qseka. <br />ess my hand and notarial seal atkifilAre41 4,4 said County, the date aforesaid. <br />i <br />-Witness <br />(Seal) <br />-Borrower <br />NEBRASKA -Single Family-Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />