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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 />- Witness <br />- Borrower <br />(Seal) <br />- Borrower <br />Richard S Zavala <br />Bobb A Zavala <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 13 day of Mav <br />2 016 , by Richard S Zavala and Bobbi A Zavala. <br />Witness my hand and notarial seal at <br />I y Commission ExnireC- 19 2019 <br />GENERAL NOTARY - State ct <br />!SARAH M. WILES <br />My Comm. Exp. Jute 19, 2019 <br />Notary Public <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Matt Brazil; NMLS #: 1432733 <br />IDS, Inc, - 31639 <br />in said County, the date aforesaid. <br />A A.r,J0 <br />201 C S 51 <br />- Witness <br />LLD <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 <br />Page 13of13 <br />