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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />- BO <br />PER - E <br />cLAW <br />General Notary • State of Nebraska <br />ELAINE L. STEINBECK <br />A03.16. 2013. <br />- BORROWER - GERALD E SMITH - DATE - <br />ZABETH J SMITH - DATE - <br />STATE OF A h <br />COUNTY OF' // <br />The foregoing instrument was acknowledged before me this <br />.17ece.i -n er , c2J3 , by Getuccl �- Syrtt�l <br />Si <br />Notary Public <br />NEBRASKA— Single Family — Fannie Mae/Freddie Mae UNIFORM INSTRUMENT <br />GO 338.9 Page 14 of 14 <br />201300966 <br />//} <br />My Commission Expires: <br />0040446302 <br />day of <br />Form 30281/01 <br />