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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 />se A Ramirez <br />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />201700990 <br />The foregoing instrument was acknowledged before me this 13 day of 1 1- ruary <br />2017 , by Jose A Ramirez. grand Island <br />Witness my hand and notarial seal at in said County, the date aforesaid. <br />June 19, 201 <br />My Commission Expires: <br />GENERAL NOTARY • State of Nebraska <br />SARAH M. WILES <br />My Comm. Exp. ,bale 19, 2019 <br />m . (A <br />Notary Public <br />Loan originator (organization): Gateway Mortgage Group, LLC; NMLS #: 7233 <br />Loan originator (individual): Ed Jarosik; NMLS #: 470809 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Pagel3of13 <br />IDS, Inc. - 30227 <br />- Witness <br />