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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 />Seal <br />oshua A Duncan - Borrower <br />IDS, Inc. <br />MEM.10 48Y- StatsotNa i i <br />DANIEL ROTH <br />^�+ My Don t* AMT. 2018 <br />- Witness <br />Kelly J uncan <br />201407506 <br />STATE OF NEBRASKA, Hall County ss: <br />The gg p ing instrument was acknowledged before me this 07 l day of /1/46 <br />c% , by Joshua A Duncan and Kelly .7 Duncan. <br />Witness my hand and notarial seal at /.�s,1 ' 7 4r.� -.Z4 cin said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />- Witness <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1101 <br />Page 13 of 13 <br />