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200202465 <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 />C.� (Seal) <br />JOSE C CHAVEZ borrower <br />AKA JOSE C AVILA <br />/ A <br />J��CKp( ��%/ 1a. (Seal) <br />R YN DA A ILA orrower <br />(Seal) <br />- Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />- Borrower <br />Initials:[ <br />at -6(NE) (DWS) Page 14 of 15 <br />U <br />(Seal) <br />(Seal) <br />(Seal) <br />-Borrower <br />Form 3028 I /01 <br />