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20050346"7 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this S>equrity Instr ment and in any Rider executed by Borrow r and recorded with it. <br />c <br />- B grower - Kenneth Berndt _ Date -- <br />- Borrower - Brenda L. Bandt - Date - <br />NEBRASKA - - Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DoculNEc.v= 06/19/2002 <br />