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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 />Crystal 'l'1 Winfield <br />STATE OF NEBRASKA, Hall County ss: <br />IDS, Inc. <br />- Witness <br />(Seal) <br />- Borrower <br />Scott A Winfield <br />The foregoing instrument was acknowledged before me this day of �^ 4' / - <br />�D f � , by Crystal D Winfield and Scott A Winfield. <br />Witness my hand and notarial seal at/20/if /..�Ir/€ said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />ci tiller Y• 'I WNW <br />DANIEL ROTH • <br />Ccxl>Ia A x,2016. <br />Notary Public aniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />201500631 <br />- Witness <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />