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200111758 <br />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 />(Seal) <br />J S S CUMMINGS - Borrower <br />al) <br />COLLEEN K CUMMING Borrower <br />— (Seal) (Seal) <br />- Borrower - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />03- 15228969 <br />C•8(NE) (oom Page 14 of 15 Form 3028 1101 <br />