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M = D T i a z --1 n i N r m When recorded mail to: HOMESIDE LENDING, INC. 7749 BAYBERRY RD., 1ST FLOOR JACKSONVILLE, FL 32256 ATTN CUSTODIAL LIAISON, MAILSTOP BBCL3 LOAN #: 1812910 [Space Above This Line For Recording DEED OF TRUST DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated OCTOBER 16, 2001, together with all Riders to this document. (B) "Borrower" is JAN M CUMMINS AND BETTY L CUMMINS HUSBAND AND WIFE. Borrower is the trustor under this Security Instrument. (C) "Lender" is HOMESIDE LENDING, INC. Lender is a CORPORATION FLORIDA. JACKSONVILLE, FL 32256. organized and existing under the laws of Lender's address is 7301 BAYMEADOWS WAY, Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 16, 2001. The Note states that Borrower owes Lender ************************TWO HUNDRED SEVENTY FIVE THOUSAND AND N01100 *************************** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** Dollars (U.S. $275,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than NOVEMBER 1, 2031. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Condominium Rider D Second Home Rider D Balloon Rider Planned Unit Development Rider Other(s) [specify] D 1 -4 Family Rider D Biweekly Payment Rider NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Initials : L Form 30281/01 Page 1 of 8 NEUDE 0109 CD C-, �, rn ~' o --i o —1 C D N C:3 C3 Ti O ? .., F—+ M a:) 1._ + Cn r __Z) .-�• r n o N -J D_ cc IV u D -J =` —J Cn r-f Cn CD DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated OCTOBER 16, 2001, together with all Riders to this document. (B) "Borrower" is JAN M CUMMINS AND BETTY L CUMMINS HUSBAND AND WIFE. Borrower is the trustor under this Security Instrument. (C) "Lender" is HOMESIDE LENDING, INC. Lender is a CORPORATION FLORIDA. JACKSONVILLE, FL 32256. organized and existing under the laws of Lender's address is 7301 BAYMEADOWS WAY, Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 16, 2001. The Note states that Borrower owes Lender ************************TWO HUNDRED SEVENTY FIVE THOUSAND AND N01100 *************************** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** Dollars (U.S. $275,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than NOVEMBER 1, 2031. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Condominium Rider D Second Home Rider D Balloon Rider Planned Unit Development Rider Other(s) [specify] D 1 -4 Family Rider D Biweekly Payment Rider NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Initials : L Form 30281/01 Page 1 of 8 NEUDE 0109