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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 />0'bw, .,u A ,I± (Seal) <br />Norma J Quandt - Borrower <br />STATE OF NEBRASKA, Hall County ss: 0/1'6 <br />The fore o�'ng instrument was acknowledged before me this day of .�,�/ , <br />, by Norma J Quandt. � / <br />Witness my hand and notarial seal at +r J_Z ' NE in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />- Witness <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 Mae/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />201506574 <br />- Witness <br />(Seal) <br />- Borrower <br />Form 3028 1/01 <br />