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Acknowledgment <br />State of Nebraska <br />County of <br />This instrument was acknowledged before me on 02.19.2016 by Richard L. Dubbs and Kristi L. Dubbs, <br />Husband and Wife <br />My commission expires: Oct-. of 1p 3.01q <br />Loan origination organization Heritage Bank <br />NMLS ID 402222 <br />Loan originator Karin Rose Smydra <br />NMLS ID 403356 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />GENERAL NOTARY -State of Nebraska <br />JACOUILYN WES19/000 <br />. ` My Comm. Exp. Oct. 26, 2019 <br />20 1.6011 9 <br />Form 3028 1/01 <br />VMPBINE) (1302).00 <br />Page 17 of 17 <br />