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2005022'72 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />- BORROWER - WARREN L PENNELL - DATE - <br />RANDI R PENNELL - DATE - <br />NEBRASKA-- Singlc Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />DOCIJINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTY 06/19/2002 <br />