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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instmment and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />_a (Seal) <br />DANIEL P CLEMENT - HOaowee <br />PEGG-i JO CLEMENT - Bo�rowa <br />_ (Seal) (Seal) <br />- Boaowa - HOROWCf <br />_ (Seal) (Seal) <br />- Harmwer - HOtfOWR <br />(Seal) (Seal) <br />- Boaowa - HOnOWCf <br />(M-VINE) l000sl vale is or is F.,. 3028 1101 <br />c <br />