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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 />`f <br />Gary A. Lu <br />STATE OF NEBRASKA, Hall County ss: <br />The,_fgleing instrument was acknowledged before me this e& day of si 4 , <br />ppCC , by Gary A. Luft. <br />Witness my hand and notarial seal at6_agfein said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />Dana mom <br />tiv cuma¢Ap181, <br />- Witness - Witness <br />(Seal) (Seal) <br />- Borrower - Borrower 'r <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 MaelFreddle Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />IDS, Inc. <br />201506194 <br />