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200503889 <br />BY SIGN[NG B :LOW, 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 />HARQI D D. SCHENCK <br />(Seal) <br />GAIL L. SCHENC - Borrower <br />(Sign Original Only) <br />002002514065 <br />0111 .6(NE) (0407) Page 14 of 15 Form 3028 1/01 <br />CitiMortgage 2.9.027 V1 <br />