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201501637 <br />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 />IDS, Inc. <br />- Witness <br />PP 1-1 <br />Edward L Gappa - Borrower Kel y <br />STATE OF NEBRASKA, Hall County ss: e <br />The instrument was acknowledged before me this 7 day of <br />,?0/S , by Edward L Gappa agd Kelly A Gappa. <br />Witness my hand and notarial seal at Cr/.wd .ovir in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />(Seal) <br />- Witness <br />Seal <br />- Borrower <br />/0/eX <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />NEBRASKA - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />