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200309915 <br />Y SI G BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this S c Ins ent and in any Rider executed by Borrower and recorded with it. <br />Z fiq <br />R N SEMM — DATE,'II^ <br />— <br />BORROWER — MELINDA SEMM — DATE — <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTX 06/19/2002 <br />t <br />