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2005012'3 <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 />002002259252 <br /><f—, — r - -w�`' (Seal) <br />Borrower <br />LAYTO LINCOLN <br />(Seal) <br />- Borrower <br />SHELLY LINCO <br />(Sign Original O ly) <br />-6(NE) (0407) Page 14 of 15 Form 3028 1/01 <br />CitiMortgage 2.7.0.53 <br />