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Acknowledgment <br />State of Nebraska <br />County of Hall <br />This instrument was acknowledged before me on February 12, 2016 by <br />L Denise McGovern, Brian J Gallagher <br />Mind Gi 1 be son • <br />Notary blic <br />My co mission expires: 05/16/2016 <br />Loan origination organization Home Federal <br />NMLS ID 446443 <br />Loan originator Mi ndy Gi 1 bert son <br />NMLS ID 494665 <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />Savings and Loan Assn of Grand Island <br />A GENERAL NOTARY - State of Nebraska <br />11 MINDY GILBERTSON <br />My Comm. Exp. May 16, 2016 <br />20160096C <br />Form 3028 1/01 <br />VMPCNE) (1302) <br />Page 17 of 17 <br />