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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 />- Witness ''' <br />t/t <br />Andrew Encinger <br />STATE OF NEBRASKA, Hall County ss: <br />The oregojng instrument was acknowledged before me this day of �f9J�/ , <br />by Andrew Encinger and J e Encinger. <br />Witness my hand and notarial seal at /) /* (� �1 T 1€in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />GIMBAL Matti Stab of Natoli <br />DANIH, ROTH <br />Comm. 7, 2011 <br />otary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT with MERS <br />Page 13of13 <br />IDS, Inc. <br />201407990 <br />- Witness <br />Fort 3028 1/01 <br />