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200311518 <br />DOC ID #: 0003247862608003 <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: 4 - 2!� (Seal) <br />PENNY J. SMI - Borrower <br />i <br />(Seal) <br />MIC EL E. SMITH - Borrower <br />(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />STATE OF NEBRASKA, Hall County ss: <br />The foregoing instrument was acknowledged before me this 25th day of August, 2003 <br />,by Penny J. Smith and Michael E. Smith, wife and husband <br />Witness my hand and notarial seal at Grand Island, Nebraska in said County, <br />the date aforesaid. <br />My Commission Expires: January 30, 2004 <br />Notary Public <br />GENERAL NOTARY State of Nebraska <br />III DEBRA J. KOZAK <br />My Comm. Exp. Jan. 30. 2004 <br />C® 8A(NE) (0005).01 CHL (01/01) Page 11 of 11 Form 3028 1/01 <br />