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20o91o2so <br />$Y SIGNING BELOW, $orrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed ny Borrower and recorded with it. <br />Witnesses: <br />001121077992 <br />N RASKA -Single Family <br />~~A(Nq ioalo) <br />(Seal) <br />- grrower <br />esavanh Keopanya <br />(Sign Original Only) <br />CitiMortgage 3.2.27.13 Vl <br />Fannle Mae/Freddie Mac UNIFORM INSTRUMBJT WITH ML3iS <br />Page 16 of 15 <br />Form 3b28 1/01 <br />