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20011;569 (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC. Lender is a CORPORATION organized and existi Pg,uOttd Boxc 1137 ` DES MOINES P IA CALIFORNIA 503065137 Lender's address is Lender is the beneficiary under this Security Instrument. (D) "TrvStCC" is OLD REPUBLIC NATIONAL TITLE (Y) "Note" means the pronvssury note sighed by Borrower and datedNOV>R 20, 2001 The Note states that Borrower owes lender FORTY SIX THOUSAND oN>� HUNDRED AND 00/100 llars (U.S. $ * * ** *46,100.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Paytnents and to pay the debt in full not later than DECEDBER 01, 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 lnstrument, plus interest. (11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. Thu following Ridcrs are to be executed by Borrower (check box as applicable]: Adjustable kale Rider ED Condominium Rider n Second 11ome Rider L� Balloon Rider 0 Planned Unit Development Rider O 1.4 Family Rider ® VA Rider Ej Biweekly Payment Rider 0 other(s) (spmifyi (t) "Applicable Law" tneans all controlling applicable federal, state and local statutes, regulations, ordinancf.,s and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (3) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar org2ni2ation. (h) "Flectronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through art electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorise a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale trutsfers, automated teller ntstchiue transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (1.) "Escrow itct».s" means those items that are described in Section 3. (M) "Miseellttneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. Md 6GME) i0000i vtlp+ z a ,5 Form 302a 1 01