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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 />- Witness <br />201502280 <br />- Witness <br />(Seal) � (Seal) <br />Jos�p J K ik - Borrower D in M Ku ik - Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoitog instrument was acknowledged before me this /(/ day of i4pf i / <br />220/5 , by Joseph J Kubik and evin Kubik. <br />Witness my hand and notarial seal at .rte in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />EilealLSOIMMits *dolma <br />ROM <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/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />Form 3028 1/01 <br />