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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />dM -6(NE) 1000501 <br />ID <br />'�' Seal) <br />DOUGLAS 4 CRAMER - Borrower <br />Weal <br />DEBORAH J IERCE- CRAM SR - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 14 of 15 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />Form 3028 1/01 <br />