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<br />200708671 <br /> <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 /> <br />Witnesses: <br /> <br />~ 1-IuQ C? /(aokU_B,~::!2 <br /> <br />Cynt ia A. Layher <br /> <br />~~/ -4L <br /> <br />Ronald L. Layher <br />/~ <br />I <br /> <br />(Seal) <br />- Borrower <br /> <br /> <br />". <br /> <br />(Seal) <br />- orrower <br /> <br />(Seal) <br />orrowcr <br /> <br />002004615375 <br />.-6A(NE) (0407)01 <br /><ll <br /> <br />Page 14 of 15 <br /> <br />Form3028 1/01 <br />CitiMortgagc 3.2.11.07 VI <br />