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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 />e--9 <br />Dennis J Jolffis r <br />STATE OF NEBRASKA, <br />GENERAL NOTARY - State of Nebraska <br />POLLY A. NOVAK <br />My Comm. Exp. March 12, 2016 <br />- Witness <br />(Seal) <br />- Borrower <br />Th ,fo regoing instrument was acknowledged before this � 4 day of�- \-SNMSrN.,, <br />, by Dennis J Johnson Jr. , a s 1181 rson <br />Witness my hand and notarial seal at c „� in said County, the date aforesaid. <br />My Commission Expires: <br />County ss: <br />Notary Public <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Doug Florer; NMLS #: 419112 <br />IDS, Inc. <br />w.p16O1164 <br />‘ 31_, <br />- Witness <br />(Seal) <br />- Borrower <br />NEBRASKA -Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1101 <br />Page 13 of 13 <br />