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200404087 <br />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 />Witnesses: <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />�'kn S_ P SMITH -Borrower <br />L� J� (Seal) <br />VONETA GLORIA SMITH - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />OM -6(NE) 1000501 Page 14 of 15 Form 3028 1/01 <br />