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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 />I <br />Allan S. Zafft <br />IDS, Inc. - 30227 <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this r5 day of <br />201 , by Allan S. Zafft and Robyn L. Zak husb and wife. <br />Witness my hand and notarial seal at Oretilol 14h d in said County, the date aforesaid. <br />My Commission Expires: February 13, 2018 <br />GENERAL NOTARY - State of Nebraska <br />ANNEMARIE O'CONNOR <br />w My Comm. Exp. Feb. 13, 2018 <br />- Witness <br />Notary Public Annemarie O'Connor <br />Loan originator (organization): Exchange Bank NMLS #: 411384 <br />Loan originator (individual): Annemarie O'Connor; NMLS #: 416351 <br />201607643 <br />/Vovew7h'e <br />- Witness <br />(Seal) t/ �,-7 (So) <br />- Borrower Rob y n L. fft (� -Borrower <br />taip taw Oatabol, <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1101 <br />Page 13 of 13 <br />