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200503886 <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 />my, / Mng <br />002002536980 <br />•- (Seal) <br />TRACEY L. REA - Borrower <br />(Sign Original Only) <br />40-6(NE) 104071 Page 14 of 15 Form 3028 1/01 <br />CitiMortgage 2.8.0.28 V2 <br />