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Is <br />20050446 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed <br />by Borrower and recorded with it. <br />- Borrower -- Denise A. O'Neill - <br />Date - <br />/ <br />- Borrower -- Michael A. O'Neill <br />- Date - <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mae UNIFORM INSTRUMENT Form 3028 1 /01 <br />DOCUINE12 (Page 12 of 13 pages) <br />DOCUINEC.VTR 06/19/2002 <br />