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2004017202 <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 />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />A (-k— (Seal) <br />RALPH A ZAVALA - Borrower <br />r fL C� Ck (Seal) <br />CHRISTINA M ZAVAL - Borrower <br />0056274053 -9701 <br />(Seal) <br />- Borrower <br />_ (Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />M -6(NE) (0005) Page 14 of 15 02/17/2004 3:43:50 Form 3028 1/01 <br />