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200507073 <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 />CHRISTOPHER J. SCHROEDEpR - ssorrower <br />kkqj L (_ � (Seal) <br />orrower <br />RACHEL L. SCHROEDER <br />(Sign Original Only) <br />000034210457 <br />40 -6(WE) (0407) Page 14 of 15 Form 3028 1/01 <br />CitiMortgage 2.8.3.3 V2 <br />