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2oiooss2i <br />BY SIGNING BELOW, Borxower 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 />DOUGI,A,S W. CRAMER -Borrower <br />W1tll2SSe5: <br />(Seal) <br />E , . CRAMER -Borrower <br />(Seal) <br />-Borrower <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 (page 13 of 14 pages) <br />GV2023.HP I I <br />I IIIIII (IIII VIII VIII VIII IIIIIIIIII VIII VIII VIIIIIII IIIIIII III VIII' VIII VIII (IIII IIII II'I <br />1 1 ~ 1 2 4 4 L 8 7 G V 2 Q 2 3 <br />_(Seal) <br />-Borrower <br />