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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 />Th fore oing instrument was acknowledged before me this ) 4 day of Il n 'r b,14.) e m , <br />by Melinda Rae Berry., _ <br />Witness my hand and notarial seal at (1 OA !1 - T-614, (14.... in said County, the date aforesaid. <br />My Commission Expires: <br />a? -l'7 <br />- Witness <br />No <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />201407212 <br />GENERAL NOTARY - State of Nebraska <br />ELIZABETH A. GARDUNO <br />My Comm. Exp. March 2, 2017 <br />- Witness <br />(Seal) <br />- Borrower <br />Form 3028 1/01 <br />