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200410857 <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 />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />AVID D KIMMINAU - Borrower <br />eal) <br />PAMELA. K, KIMMIN U - Borrower <br />(M -6(NE) (0005) Page 14 of 15 <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />0065841272 -9701 <br />10/27/2004 1:15:31 Form 3028 1/01 <br />