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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 />CHAD R MIT - Borrower A NDA S SMITH - Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 30 day of AD <br />7f11 3 , by CHAD R SMITH and AMANDA S SMITH. <br />Witness my hand and notarial seal at in said County, the date aforesaid. <br />My Commission Expires: June 19 , 2015 <br />GENERAL SARAH M State I- Nebraska <br />My Comm. Exp. June 19, 2015 <br />IDS, Inc. <br />- Witness <br />Notary Public <br />20130362G <br />0m. LoiLo <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1 /01 <br />Page 13 of 13 <br />- Witness <br />