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201600399 <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 />[Space Below This Line For Acknowledgment] <br />STATE OF NEBRASKA, Hall County ss: <br />On this 2 nd day of November, 2015 , before me, the undersigned, a Notary Public <br />duly commissioned aid qualified for said county, personally came <br />David E Gerhardus AND Teri A Gerhardus Husband and Wife <br />*by Teri A. Gerhardus Attorney in Fact, <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his/her /their voluntary act and deed. <br />Witness my hand and notarial seal at Nebraska <br />in said county, the date aforesaid. <br />My Commission expires: July 30, 2018 <br />GENERAL. NOTARY - State of Nebraska <br />ROBERTA l. REED <br />My Comm. Exp. July 30, 2018 <br />Robe <br />vl Kb <br />L Reed <br />Loan Origination Company & NMLS Id: Charter West National Bank - 466077 <br />Loan Originator & NMLS Id,: Roberta L Reed - 491146 <br />NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 -MERS 9/11 Page 13 of 13 <br />a bb-vit y _or\- <br />Dwy <br />David E Gerhardus by Teri A Gerhard s, as - Borrower <br />Attorney in Fact <br />. 7A (Seal) <br />Teri A Gerhardus - Borrower <br />(Seal) <br />- Borrower <br />20150753 <br />RF RECORDED <br />(Seal) <br />- Borrower <br />-Notary Public <br />