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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 />STATE OF NEBRASKA, Hall County ss: <br />The ore ing instrument was acknowledged before me this l day of <br />. by Erika M. Perez. . _ I Y ll I <br />Witness my hand and notarial seal at LiY1t r14nd- in said County, the date aforesaid. <br />Erika M. Perez <br />My Commission Expires: March 2, 2017 <br />IDS, Inc. <br />GENERAL NOTARY - State of Nebraska <br />ELIZABETH A. GARDUNO <br />My Comm. Exp. March 2, 2017 <br />Notary <br />Loan originator (organization): Exchange Bank; NMLS #: 41138 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />- Witness - Witness <br />(Seal) (Seal) <br />- Borrower - Borrower <br />d a/d-pity - <br />blic Elizabeth A Garduno <br />201502156 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />