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<br />200510400 <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 />~~~ <br /> <br />(Seal) <br />-Borrower <br /> <br />STEVEN P. HEATH <br /> <br />(-~-'~4-- <br />GLENDA M. HEATH <br />(Sign Original Only) <br /> <br />y)'(~:~~JV <br />, <br /> <br />(Seal) <br />-Borrower <br /> <br />000034239404 <br /> <br /><8 -6(NE) 10407) <br />$ <br /> <br />Page' 4 of 1 5 <br /> <br />Form 3028 1/01 <br />CitiMortgage 2.9.1.30 V5 <br />