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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: STATE OF NEBRASKA, My Commission expires: it/IVIis GENERAL NOTARY - State of Nebraska EDWARD J. JAROSIK My Comm. Exp. Nov. 14, 2015 STATE OF. My Commission expires: GENERAL NOTARY - State of Nebraska EDWARD J. JAROSIK My Comm. Exp. Nov. 14, 2015 (Seal) Phillip Va bber - Borrower Stacie VanStbber [Space Below This Line For Acknowledgment] Hall On this fl) day of July, 2015 before me, the undersigned, a Notary Public duly commissioned and tualifed for said county, personally came Stacie VanBibber to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and acknowledged the execution thereof to be his /her /their voluntary act and deed. Witness my hand and notarial seal at 2009 N. Diers Ave., Grand Island, NE 68803 in said county, the date aforesaid. Loan Origination Company & NMLS Id: Five Points Bank - 407704 Loan Originator & NMLS Id.: Edward J. Jarosik - 470809 NEBRASKA- Single Family - Fannie Maelffreddie Mac UNIFORM INSTRUMENT Form 3028 1101 Laser Forms Inc. (800) 446.3555 LFI #FNMA3028 9/11 Page 13 of 13 Itod 201500i7 (Seal) - Borrower County ss: County ss: On this /C) day of y , 2015 , before me, the undersigned, a Notary Public duly commissioned and qualified for said county, personally came Phillip VanBibber to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and acknowledged the execution thereof to be his /her /their voluntary act and deed. Witness my hand and notarial seal at 7.e).9 N t e,.-s Ave Aoki ME 641E'03 in said county, the date aforesaid. -Notary Public