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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 />Stanley J Halpi <br />STATE OF NEBRASKA, <br />My Commission expires: <br />GENERAL NOTARY - State of Nebraska <br />LINDA M GLAUSE <br />My Comm. Exp. Dec. 2, 2018 <br />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Linda M. Glause - 472712 <br />NEBRASKA Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />20160097 a <br />(Seal) <br />- Borrower <br />w <br />� � � <br />/ x <br />Karisa J Halpi - Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />Linda M Glause <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />Hall County ss: <br />On this 11 th day of February, 2016 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Stanley J Haipine, Karisa J Halpine <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 2009 N Diers Ave, Grand Island, NE 68803 <br />in said county, the date aforesaid. <br />-Notary Public <br />