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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 />Michael D. Meents <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this day of <br />( 1 , , by Michael D. Meents <br />Witness my hand and notarial seal at !C ✓A- !1!i__L �i�. in said County, the date aforesaid. • <br />My Commission Expires: March 2, 2017 <br />Loan originator (organization): Exchange Bank NMLS #: 1250195 <br />Loan originator (individual): Liz Garduno; NMLS #: 1250195 <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 13of13 <br />IDS, Inc. <br />201600451 <br />- Witness - Witness <br />(Seal) (Seal) <br />- Borrower - Borrower <br />, tary Pub ./ E beth A. Garduno <br />GENERAL NOTARY - State of Nebraska <br />ELIZABETH A GARDUNO <br />My Comm. Exp. March 2, 2017 <br />Form 3028 1/01 <br />