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Acknowledgment <br />State of Nebraska <br />County of Hall <br />This instrument was acknowledged before me on April 01, 2016 by <br />Monty J Ritchie, Carrie A Ritchie <br />A141/04. <br />Notary Pubic <br />Mindy Gi berts <br />My commission expire: 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 />GENERAL NOTARY - State of Nebraska <br />MINDY GILBERTSON <br />My Comm, Exp. May 16, 2016 <br />`.01C01984 <br />Form 3028 1/01 <br />VMP6(NE) (1302) <br />Page 17 of 17 <br />