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200505640 <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 />(Seal) <br />JAMES P. KRAMER - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Witness: <br />State of Nebraska <br />County of HALL <br />Witness: <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />The foregoing instrument was acknowledged before me this <br />by JAMES P. KRAMER G' <br />a <br />Signatureyffevison, Taking Acknowledgment <br />C.Y Q t <br />Mile <br />Serial Number, if any <br />GENERAL NOTARY ' State Nebraska <br />ELIZABETH Exp arch 2,20D9 <br />My commission expires: fif <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mae UNIFORM INSTRUMENT - MERS DocMagkEtR.--jTM= 800-64.9-1362 <br />Form 3028 1/01 Page 10 of 10 www.docmagic.corn <br />