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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 />'-(AXin <br />ELIZABETH K. CUMMINGS <br />STATE OF NEBRASKA, <br />On this 3 rd day of October, 2016 , before me, the undersigned, a Notary Public <br />duly commissioned and qualified for said county, personally came <br />RYAN R. CUMMINGS, ELIZABETH K. CUMMINGS <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 Nebraska <br />in said county, the date aforesaid. <br />My Commission expires: <br />• si r <br />KELLY S E S <br />Loan Origination Company & NMLS Id: Five Points Bank of Hastings - 408551 <br />Loan Originator & NMLS Id.: Kelly Sheets - 420303 <br />NEBRASKA Single Family - FannieMaelFreddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 13 of 13 <br />201606776 <br />(Seal) <br />R AN R. CUMMINGS - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />ADAMS County ss: <br />XERAL NOTARY - State of Nebraska <br />KELLY SHEETS <br />My Comm. Exp. Jan. 31,2017 \ <br />-Notary Public <br />