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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 -Witness <br />kg - (Seal) . C,k-Nif__. (Seal) <br />Shawn M. Clark -Borrower mberly F. C -Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this AZ day of /47,1,-...5 <br />by Shawn M. Clark mulKimbetly, F. Clark. <br />Witness my hand and notarial seal at Cq- eVit in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />M <br />NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />201505830 <br />*KRAL NOTARY SWe of <br />DANIEL ROTH <br />1 *Comm. Exp. Apr il :2607:1 <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />