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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 />(Seal) <br />- Borrower <br />STATE OF NEBRASKA, V` County ss: <br />The reving instrument was acknowledged before me this a day of <br />oL) 1 a , by Derek J Apfel. /1 <br />Witness my hand and notarial seal at r V 1. IC <br />2 O/9 <br />Derek J fel <br />My Commission Expires: <br />GENERAL NOTARY - State of Nebraska <br />MARNIE SCHAGER SUNDERMEIER <br />My Comm. Exp. September 8, 2019 <br />11f�Y�LIfl8�R81H� <br />- Witness <br />/at <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 <br />Page 13 of 13 <br />IDS, Inc. -30227 <br />201800367 <br />- Witness <br />(Seal) <br />- Borrower <br />I.�ll <br />in said County, the date aforesaid. <br />Form 3028 1/01 <br />