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Acknowledgment <br />State of Nebraska <br />County of Hall <br />This instrument was acknowledged before me on December 19, 2014 by <br />Benjamin L Beberniss, Cassandra J Beberniss <br />GENERAL NOTARY • Stated Nebraska <br />KEVIN D O7TMAN <br />My Comm. Exp. May 19, 2017 <br />Notary Public <br />Kevin Ottman <br />My commission expires: 05/19/2017 <br />201407989 <br />Loan origination organization Home Federal Savings and Loan Assn of Grand Island <br />NMLS ID 446443 <br />Loan originator Mindy Gilbertson <br />NMLS ID 494665 <br />NEBRASKA- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />Form 3028 1/01 <br />VMP6(NE) (1302) <br />Page 17 of 17 <br />