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201303034 <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 /> 1)° 13 (Seal) <br /> DOUGLAS W CRAMER -Borrower <br /> ,/' At _an (Seal) <br /> NNIFE'3 L wRAMER -Borrower <br /> (Seal) <br /> -Borrower <br /> (Seal) <br /> -Borrower <br /> L_I Refer to the attached Signature Addendum for additional parties and signatures. <br /> 2400411E <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mar.UNIFORM INSTRUM ENT Form 3028 1/01 <br /> VM P 4t) VM P6(NE)(1106) <br /> Walters Kluw el Financial Services Page 16 al 17 <br />