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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 />STATE OF NEBRASKA, <br />duly commissioned and qualified for s <br />My Commission expires: <br />X ENERAL NOTARY -State of Nebraska <br />KARLY TRUJILLO <br />My Conn Exp. May 26, 2019 <br />NEBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 <br />LEI #FNMA3028 9/11 Page 13 of 13 <br />son t3. Gemstein <br />Fawn S. Gerstein <br />201805724 <br />Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />[Space Below This Line For Acknowledgment] <br />Hall County ss: <br />On this day of t ,au'), , before me, the undersigned, a Notary Public <br />d county, personally came <br />Jason D. Gemstein and Fawn S. Gerstein, a married couple <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and <br />acknowledged the execution thereof to be his/her /their voluntary act and deed. <br />Witness my hand and notarial seal at Nebraska <br />in said county, the date aforesaid. <br />k k ■ <br />-Notary Public <br />Loan Origination Company & NMLS Id: Nebraska Energy Federal Credit Union - 410601 <br />Loan Originator & NMLS Id.: Candace Johnk - 720136 <br />