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200111758 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />1-4 Family Rider. <br />I <br />(Seal) <br />ES S CUMMINGS - Borrower C LEEN K CUMMINGS -B over <br />57R (0008) <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 4 of 4 <br />—(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />03- 15228969 <br />Form 3170 1101 <br />