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201103071 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this 1-4 Family Rider. <br />(Seal) <br />mower <br />TRACY JAC N Zm,32fl9393'+~,, <br />(Sign Original Only) D <br />.0 ~a <br />0 -8 'X <br />®~~®~~~®PQS ~A <br />001122399875 CitiMortgage 3.2.45.41 V2 <br />MULTISTATE 1- 4 FAMILY RIDER- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP 0-67R (0811) Page 3 of 3 Form 3170 1/01 <br />