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, , , ,�, „ ' �u9.ius 4. The Borrower also will comply with all the other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Bonower's covenants and agreements to make all the payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make the under Security Instrument; however, the following terms and provisions are forever canceled, null, and void, as of the date specified in paragraph No. 1 above: (a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note; and, (b) all terms and provisions of any adjustable rate rider or other instrument or docurnent that is affixed to, or part of, the Note and Security Instrument and that contains any such terms and provisions as those refened to in (a) above. 5. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agreement, the Note and Security Instrument wili remain unchanged, and the Borrower and Lender will be bound by and comply with, all of the terms and provisions thereof, as amended by this Agreement. 6. It is mutually agreed that the Security Instrument shall constitute a first lien upon the premise and that neither the obligation evidencing the aforesaid indebtedness nor the Security Instrument shall in any way be prejudiced by this Agreement, but said obligation and Security Instrument andall the covenants and agreements thereof and the rights of the parties thereunder shall rernain in full force and effect except as herein expressly modified. IN WITNESS WHEREOF, the parties have signed, sealed and delivered this agreement on the date above written. �� ;� / e ate Borrower - PAUL P PANKONIN .. � . ��J� / � � Gc.l' (.l Date Bo er - JESSICA L PANKONIN Date Borrower - Date Borrower - Larry Baumann CitiMortg ge, Inc. Vice President �� l(� By• Date Lender - ``v �o�oRT Gq G c�`� ° o � �\ � • � . / �i� �v '.2 _ ' � � _ � o ; �` � ��/ � •e..•'�� /� Page 2