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200505310 <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 />IJAN'�C. WALLACE Borrower <br />(Seal) <br />ANET M. WALLACE Borrower <br />(Sign Original Only) <br />002002584604 <br />(M� -6(NE) (0407) Page 14 of 15 Form 3028 1/01 <br />CitiMortgage 2.8.0.29 V2 <br />