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RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: BANK OF THE WEST NFG LIEN SERVICING NC- B07 -3C -V P.O. BOX 5167 SAN RAMON, CA 94583 -5167 SUBORDINATION DEPARTMENT ORDER NO. 201304109 ESCROW NO. (SPACE ABOVE THIS LINE FOR RECORDERS USE SUBORDINATION AGREEMENT NOTICE: THIS SUBORDINATION AGREEMENT RESULTS IN YOUR SECURITY INTEREST IN THE PROPERTY BECOMING SUBJECT TO AND OF LOWER PRIORITY THAN THE LIEN OF SOME OTHER OR LATER SECURITY INSTRUMENT. THIS AGREEMENT, MADE April 30, 2013 , BY JAMES W. CRAMER AND COLLEEN L. CRAMER, HUSBAND AND WIFE OWNER OF THE LAND HEREINAFTER DESCRIBED AND HEREINAFTER REFERRED TO AS "OWNER ", AND BANK OF THE WEST PRESENT OWNER AND HOLDER OF THE DEED OF TRUST AND NOTE FIRST HEREINAFTER DESCRIBED AND HEREINAFTER REFERRED TO AS "BENEFICIARY ", WITNESSETH THAT WHEREAS, BY JAMES W. CRAMER AND COLLEEN L. CRAMER, HUSBAND AND WIFE, AS JOINT TENANTS AND NOT AS TENANTS IN COMMON DID EXECUTE A DEED OF TRUST DATED MAY 24, 2011, TO BANK OF THE WEST AS TRUSTEE, COVERING THAT CERTAIN REAL PROPERTY DESCRIBED AS: LOT TEN (10), ISLAND ACRES NO 7, A SUBDIVISION OF PART OF FRACTIONAL SECTION SEVEN (7); PART OF THE WEST HALF OF THE WEST HALF (W1/2 W1/2) OF SECTION EIGHT (8); AND PART OF LOT TWENTY -FOUR (24), ISLAND ACRES, ALL IN TOWNSHIP ELEVEN (11), NORTH RANGE NINE (9) WEST OF THE 6 111 P.M. IN THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. TO SECURE A NOTE IN THE SUM OF $21,504.50 DATED MAY 24, 2011 IN FAVOR OF BANK OF THE WEST WHICH DEED OF TRUST WAS RECORDED JUNE 14, 2011 IN BOOK/REEL N/A PAGE/ IMAGE N/A OFFICIAL RECORDS OF SAID COUNTY AND /OR AS DOCUMENT NUMBER/SERIES: 201104413 WHEREAS, Owner has executed, or is about to execute, a DEED OF TRUST and note in the Sum NOT TO EXCEED $59,000.00 dated in favor of WELLS FARGO BANK, N.A., ISAOA/ATIMA PAGE 1 OF 3 MOSHARE\FORMS\SUB AGREEMENT BLANK 4/23/96