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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 />STATE OF NEBRASKA, <br />My Commission expires: , / ' 1 <br />I /OA <br />Kara J Ber <br />D j 9 — %T/ f;J <br />P Beran <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />Hall <br />On this 4 th day of April, 2016 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Karla J Beran, Daniel P Beran <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 />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Edward J. Jarosik - 470809 <br />NEBRASKA- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LEI #FNMA3028 9111 Page 13 of 13 <br />201602045 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />County ss: <br />-Notary Public <br />