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<br />200603819 <br /> <br />BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants contained <br />in this Fixed! Adjustable Rate Rider. <br /> <br />/'< <br /> <br />~ 1\ ~~Mu--j) by./! ~~ ~ (Lt<2JtiwP <br />.,.~ ~!Q.tf~"h,m' ^' -B~ <br /> <br />Attorney-In-Fact Pursuant To Power Of Attorney Datcd <br /> <br /> <br />OOO&200~~ /2 iJ( aij~a1r) <br /> <br />Katherine 1. Williams -Borrower <br /> <br />002003487660 <br /> <br />.-843R (040S) <br />@ <br /> <br />Page 4 of 4 <br /> <br />Form 3182 1!01 <br />CitiMortgage 3.0.1.9 V4 <br />