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200313048 <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 />(Seat) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />MICHAEL T SADDLER - Borrower <br />ONIA L SADDLER - Borrower <br />—(Sea) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />229575 <br />8(NE) (0005) Pape 14 of 15 Form 3028 1101 <br />