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2013 03837 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1 -4 Family Rider. <br />DAVID C. BRUNDAGE <br />FRANCES S. BRUNDAGE <br />(Sign Original Only) <br />(Seal) <br />orrower <br />(Seal) <br />rrower <br />001123381835 Citibank 3.2.68.01 V7 <br />MULTISTATE 1- 4 FAMILY RIDER- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® -57R (0811) Page 3 of 3 Form 3170 1/01 <br />