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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: May 18, 2020 <br />RAL NO ARM - State of Nebraska <br />MICHELLE L SAWICKI <br />My Comm. Exp. May 18,2020 <br />Christopher J • - eph Stec <br />Michelle L. Sawicki <br />Bana Barbar Stec <br />On this 12 th day of August, 2016 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />Christopher Joseph Stec, Bana Barbar Stec <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 <br />in said county, the date aforesaid. <br />Loan Origination Company & NMLS Id: Five Points Bank - 407704 <br />Loan Originator & NMLS Id.: Michelle L. Sawicki - 472786 <br />NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 - 3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />201605376 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />Hall County ss: <br />-Notary Public <br />