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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 />(Seal) <br />Andrew Lynn thjen <br />STATE OF NEBRASKA, Hall County ss: <br />Rathjen <br />The foregoing instrument was acknowledged before me this 20 day of October <br />2016 , by Andrew Lynn Rathjen and Rebecca Susan Rathjen. <br />Witness my hand and notarial seal at (-i ran d ZS u r, in said County, the date aforesaid. <br />June 19, 2019 <br />My Commission Expires: <br />Notary Public <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Matthew Aaron Brazil; NMLS #: 1432733 <br />NEBRASKA -Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 13 of 13 <br />IDS, Inc. - 31639 <br />20 1607113 <br />- Witness <br />Seal <br />- Borrower <br />