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2oo9osi7~ <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 />1 ~ ~ - <br />~.~-C.~ ~Seal) ~ (Seal) <br />CHARCI J. SMITH' - arrower - orrawer <br />JE MY K. SMITH <br />(Sign Original Only) (Sign Original Only) <br />001120767107 CitiMortgage 3.2.24.05 V7 <br />N~45KA -Single Family - Fannle MaelFreddle Mac UNIFORM INSTRUMBVT WITH MFRS <br />~A(Nq toa~o) page 14 of 15 Form 3028 1101 <br />