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II <br />202205788 <br />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 />(Seal) <br />Elmer Garay -Borrower <br />NEBRASKA, <br />-Witness <br />(Seal) <br />-Borrower <br />The foregoing instrument was acknowledged before me this day of <br />by Elmer E Garay and Shelby M Rickard./1- _/ .. _0 <br />Witness my hand and notarial seal at (2 vtot �Q C UIOt <br />My Commission Expires: <br />GENERAL NOTARY - State of Nebraska <br />MARNIE SCHAGER SUNDERMEIER <br />My Comm. Exp. September 8, 2023 <br />oa3 <br />in said County, the date aforesaid. <br />Notary Public <br />Loan originator (Organization): Gateway Mortgage, a division of Gateway First Bank; NMLS #: 7233 <br />Loan originator (Individual): Ed Jarosik; NMLS #: 470809 <br />FHA Nebraska Deed of Trust with MERS 1/2015 <br />IDS, Inc. - 69482 <br />triRd'All'iNtrri11111 <br />Page 12 of 12 <br />