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19. APPLICABLE LAW. This Security Instrument is governed by the laws as agreed to in the Secured Debt, <br />except to the extent required by the laws of the jurisdiction where the Property is located, and applicable <br />federal laws and regulations. <br />20. RIDERS. The covenants and agreements of each of the riders checked below are incorporated into and <br />supplement and amend the terms of this Security Instrument. <br />[Check all applicable boxes] <br />❑ Assignment of Leases and Rents ❑ Other <br />21. ❑ CONSTRUCTION LOAN. This Security Instrument is a construction security interest which secures an <br />obligation incurred for the construction of an improvement on the Property. <br />22. ❑ ADDITIONAL TERMS. <br />SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security <br />Instrument and in any attachments. Trustor also acknowledges receipt of a copy of this Security Instrument on the <br />date stated on page 1. <br />z�v <br />i L <br />( Sim ) Bonnie J. etcalf <br />Security Instrument-Open- End - Consumer - NE <br />VMP® Bankers SystemsTM <br />Wolters Kluwer Financial Services 01994, 2011 <br />(Date) (Signature) (Date) <br />GENERAL NOTARY - State of Nebraska <br />MARK SVEC <br />My Conan. Exp. January 28, 2019 <br />%A. <br />ACKNOWLEDGMENT: <br />STATE OF Nebraska , COUNTY OF .Coming. } ss. <br />(Indi"idia1) This instrument was acknowledged before me this 151h day of Decemher,.2016 <br />by Bonnie .J. Metcalf. a .single, person <br />My commission expires: 0 -28 -2019 <br />Mark Svec <br />201608513 <br />OCP- REDT -NE 7/2/2011 <br />VMP- C466(NE) (1107).00 <br />Page 6 of 6 <br />