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202009602 <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 />Timothy J Smith <br />(Seal)G! /// / 7 (Seal) <br />-Borrower a s e M S m i -Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Page 14 of 15 <br />DocMagic elNvvao <br />