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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 />IDS, Inc. <br />GENERAL NOTARY - State of Nebraska <br />POLLY A. NOVAK <br />My Comm. Exp. March 12, 2016 <br />- Witness <br />Notary Public <br />Notary Public <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Doug Florer; NMLS #: 419112 <br />20160099/ <br />- Witness <br />�^ (Seal) ,. , _ i Seal <br />Doug P&es - Borrower Caro yn - Borrower <br />STATE OF NEBRASKA, `iliX County ss: <br />The {egomg instrument was acknowledged before n this �� day of <br />�c �.` \ , by Doug P Lees an arolyn L es <br />Witness my hand and notarial seal cr ier. in said County, the date aforesaid. <br />My Commission Expires: - —�� -\" <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 13 of 13 <br />