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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 />than J McGowan <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this day of �--r G,n.) c..kb L j______,, <br />"? on , by Ethan J McGowan., —+ <br />Witness my hand and notarial seal at prrs,, rl kin a1d in said County, the date aforesaid. <br />My Commission Expires: <br />IDS, Inc. - 31639 <br />GENERAL NOTARY- State of Nebraska <br />MATTHEW A BRAZIL <br />My Comm. Exp. Jan. 13, 2018 <br />Loan originator (organization): Exchange Bank; NMLS #: 411384 <br />Loan originator (individual): Matthew Aaron Brazil; NMLS #: 1432733 <br />- Witness - Witness <br />(Seal) (Seal) <br />- Borrower -Borrower <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 <br />Page 13 of 13 <br />201700926 <br />