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20020920/ <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />ALES CLAMB orrower <br />C'N\4�� (Seal) <br />RONDA MCLAMB borrower <br />(Seal) (Seal) <br />(Seal) (Seal) <br />(Seal) (Seal) <br />Initials <br />4W(NE) (oons) Page 14 of 15 Form 3028 1 /O1 <br />