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2 01507164 <br />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 />\ VN.C1CCO (Seal) (Seal) <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this / day of ,&civl . <br />S' , by Lacey M. Rath. <br />Witness my hand and notarial seal at �arox,.a ..414 .05 ,A/E'in said County, the date aforesaid. <br />My Commission Expires: April 7, 2016 <br />: IIOIMr• ile <br />. I,N <br />- Borrower - Borrower <br />Notary Public Daniel Roth <br />Loan originator (organization): Exchange Bank NMLS #: 411384 <br />Loan originator (individual): Liz Garduno; NMLS #: 1250195 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS <br />Page 13 of 13 <br />IDS, Inc. <br />Form 3028 1/01 <br />