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200408849 <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 />(Mm 6(NE) (000s) <br />/1441111t) Z. �11ISSeal) <br />ANDREW D. GUDGEL Borrower <br />(Seal) <br />LILA KAY GUDG - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Page 14 of 15 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Form 3028 1/01 <br />v <br />I <br />