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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 />Eric D Edwards <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />- Witness <br />STATE OF NEBRASKA, Hall County ss: <br />- Witness <br />am-(.06 (Seal) <br />- Borrower Amber M Edwards - Borrower <br />T qre g instrument was acknowledged before me this /0 day of 2 <br />, by Eric D Edwards and Amber M E wards. <br />Witness my hand and notarial seal at 64 -0 d f ./''Ein said County, the date aforesaid. <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />2 01503993 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />