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200310984 <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 />(Seal) eal) <br />WL� <br />D SMITH - Borrower LYNNE d SMITH - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Witness: <br />State of Nebraska <br />County of HALL <br />Witness: <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />The foregoing instrument was acknowledged before me this I I O� 2od3 <br />by JOEL D SMITH, LYNNE A SMITH <br />;:;eta t•; MARK D. TRACY <br />' °` ` " "`p• MY COMMISSION EXPIRES <br />NOW— <br />March 13, 2006 <br />(Seal) <br />Title <br />Serial Number, if any <br />My commission expires: n \ N- (A\ , 3 &W o <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS DocMagicleP�WUM_�, 800- 649 -1362 <br />Form 3028 1 /01 Page 13 of 13 www.docmagic.com <br />Ne302813.mzd <br />