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200506869 <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 />PAMMM <br />%)71 (Seal) <br />LISA M. HAPPOLD�� <br />(Sign Original Only) <br />002002874410 <br />4jCk76(Nq (0407) rage 14 of is Form 3028 1101 <br />CitiMortgage 2.8.3.3 V3 <br />