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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 />My Commission Expires: March 2, 2017 <br />Gregory ouselog <br />IDS, Inc. <br />- Witness <br />4 <br />- Borrower Cynthi . "J Houselog <br />otary 4 blic Elizabeth A Garduno <br />Loan originator (organization): Exchange Bank; NMLS #: 41138 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />GENERAL NOTARY - State of Nebraska <br />EUZABETH A. GARDUNO <br />My Comm. Exp. March 2, 2017 <br />201501.932 <br />- Witness <br />orrower <br />STATE OF NEBRASKA, Hall County ss: <br />Ths, foregoing instrument was acknowledged before me this day of __gjZLatj______, <br />citel , by Gregory L. Housel and � Cvnthi ousel g. <br />Witness my hand and notarial seal at ( � I^LP.11 Gt` � in said County, the date aforesaid. <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />Page 13 of 13 <br />