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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 />'-` i 6- O (Seal) \-km {elm. en C. r c L b PeZZSeal) <br />Jorge Fregoso-Iribe - Borrower Marcela Garcia -Lopez - Borrower <br />STATE OF NEBRASKA, Hall County ss: `i / L <br />T fQrg ' g instrument was acknowledged before me this 3f day of / / /,�'r <br />/ by Jorge Fregoso-Iribe d Marcela Garcia- Lopez. <br />Witness my hand and notarial seal at 6 ...d r ..t in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />GatlLHAL NOTARY - sasof !tid'.'tiSKa <br />DANIEL ROM <br />Ceaim. E• 11, 206 <br />IDS, Inc. <br />- Witness - Witness <br />Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />20150 000' <br />NEBRASKA - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />