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20090442 <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 Barrower and recorded with it. <br />Witnesses: <br />.~ ^~' ' ~ (Seal) <br />-- -orrower <br />my Ras <br />/. <br />(Seal) <br />- orrower <br />Stacie <br />ri~nal Only <br />001120709302 <br />~D~A(Nq ioao7>.of Page 74 of ~5 Form 3p28 1/01 <br />CitiMortgage 3.2.23.04 <br />