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200309944 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />Witnesses: <br />Seal) <br />JUSTIN MICHAEL CRAMER - Borrower <br />(Seal) <br />DAWN MARIE CRAMER - Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />(Seal) <br />(Seal) <br />- Borrower <br />- Borrower <br />STATE OF NEBRASKA, HALL <br />County ss: <br />The foregoing instrument was acknowledged before me this 30th day of July <br />, <br />2003 ,by JUSTIN MICHAEL CRAMER and DAWN MARIE CRAMER <br />Witness my hand and notarial seal at GRAND ISLAND in said <br />County, the date aforesaid. <br />My Commission Expires: January 34, 2004 <br />Notary Public <br />GENERAL NOTARY -State of Nebraska <br />III DEBRA J. KOZAK <br />My Comm. Exp. Jan. 30, 2004 <br />4N(NE) (9802).0217803742 Page 8 of 8 17803742 <br />R <br />