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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 />(Seal) (Seal) <br />avid A White - Borrower - Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The fore g instrument was acknowledged before me this /2t day of <br />ra , by David A White. <br />Witness my hand and notarial seal at rra.� f.4 A/E in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />otary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />DS, Inc. <br />201506236 <br />- Witness <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 i/01 <br />Page 13of13 <br />