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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 />/-e (Seal) <br />- Borrower <br />Ryga?P Hanse <br />STATE OF NEBRASKA, Hall County ss: <br />The�foregoi g instrument was acknowledged before me this day of <br />by Ryan P Hansen ancl,,MelaAle,D Vranfen. <br />Witness my hand and notarial seal at Gm --(/ t in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />IDS, Inc. <br />Yitill! Wafts ralp. AO 7,74 <br />NDtM?.ai si <br />omieutont <br />l o ary Public Daniel Roth <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Daniel Roth; NMLS #: 464864 <br />201506779 <br />- Witness <br />Seal <br />- Borrower <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Pagel3of13 <br />