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200404346 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Sec .ty Instrument and in any Rider executed by Borrower and recorded with it. <br />B rrower — Mitch L. Smith — Date — <br />NEBRASKA -- Single Family -- Fannie Mac/Frcddic Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />