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202600773 <br />19. APPLICABLE LAW. This Security Instrument is governed by the laws as agreed to in the Secured Debt, <br />except to the extent required by the laws of the jurisdiction where the Property is located, and applicable <br />federal laws and regulations. <br />20. RIDERS. The covenants and agreements of each of the riders checked below are incorporated into and <br />supplement and amend the terms of this Security Instrument. <br />[Check all applicable boxes] <br />❑ Assignment of Leases and Rents ❑ Other <br />21. 0 CONSTRUCTION LOAN. This Security Instrument is a construction security interest which secures an <br />obligation incurred for the construction of an improvement on the Property. <br />22. 0 ADDITIONAL TERMS. <br />SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security <br />Instrument and in any attachments. Trustor also acknowledges receipt of a copy of this Security Instrument on the <br />date stated on page 1. A 1 <br />(Signature) JEANIE M HOREIS <br />(Date) (Signature) CHRISTOS6HER J EIS (Date) <br />ACKNOWLEDGMENT: <br />STATE OF NEBRASKA COUNTY OF <br />HALL <br />(Individual) This instrument was acknowledged before me this 28TH <br />by JEANIE M HOREIS AND CHRISTOPHER J HSREIS <br />My commission expires: <br />4.46ENERPL NOTARY - State of Nebraska <br />TERESA HAKE <br />My Conon. Exp. October 1Z 2028 <br />Loan origination organization MembersOwn Credit Union <br />NMLS ID 458280 <br />Loan originator THOMAS VEQUIST <br />NMLS ID 2109813 <br />day of N ' RY 2026 <br />} ss. <br />(No : Public) <br />Security Instrument -Open -End -Consumer -NE <br />VMP® Bankers SystemsTM <br />Wolters Kluwer Financial Services n1994, 2011 <br />OCP-REDT-NE 7/2/2011 <br />VMP-C455(NE1 (11071.00 <br />Page 6 of 6 <br />/'. <br />