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<br />WHEN RECORDED MAIL TO: co o0
<br />Wisconsin Real Estate Resource Center
<br />MAC # N9821 -091
<br />735 W. Wisconsin Avenue, 9th Floor
<br />Milwaukee, WI 53233 FOR RECORDER'S USE ONLY
<br />DEED OF TRUST
<br />DEFINITIONS
<br />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.
<br />Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated August 11, 2004, together with all Riders to this document.
<br />(B) "Borrower" is David M. Swantek and Suzanne R. Swantek; husband and wife, as joint tenants.. Borrower is the trustor under this
<br />Security Instrument.
<br />(C) "Lender" is Wells Fargo Bank, National Association. Lender is a National Assocation organized and existing under the laws of
<br />Nebraska. Lender's address is Grand Island - Main, 304 W. 3rd Street, Grand Island, NE 68801. Lender is the beneficiary under this
<br />Security Instrument.
<br />(D) "Trustee" is Wells Fargo Financial National Bank.
<br />(E) "Note" means the promissory note signed by Borrower and dated August 11, 2004. The Note states that Borrower owes Lender One
<br />Hundred Ninety -five Thousand & 00/100 Dollars (U.S. $195,000.00) plus interest. Borrower has promised to pay this debt in regular
<br />Periodic Payments and to pay the debt in full not later than February 11, 2005.
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all
<br />sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />Adjustable Rate Rider Condominium Rider 0 Second Home Rider
<br />Balloon Rider Planned Unit Development Rider F1 Other(s) [specify]
<br />1 -4 Family Rider Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
<br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
<br />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
<br />value and /or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts
<br />under Section 3 of this Security Instrument.
<br />Page 1 of 9
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<br />WHEN RECORDED MAIL TO: co o0
<br />Wisconsin Real Estate Resource Center
<br />MAC # N9821 -091
<br />735 W. Wisconsin Avenue, 9th Floor
<br />Milwaukee, WI 53233 FOR RECORDER'S USE ONLY
<br />DEED OF TRUST
<br />DEFINITIONS
<br />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.
<br />Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated August 11, 2004, together with all Riders to this document.
<br />(B) "Borrower" is David M. Swantek and Suzanne R. Swantek; husband and wife, as joint tenants.. Borrower is the trustor under this
<br />Security Instrument.
<br />(C) "Lender" is Wells Fargo Bank, National Association. Lender is a National Assocation organized and existing under the laws of
<br />Nebraska. Lender's address is Grand Island - Main, 304 W. 3rd Street, Grand Island, NE 68801. Lender is the beneficiary under this
<br />Security Instrument.
<br />(D) "Trustee" is Wells Fargo Financial National Bank.
<br />(E) "Note" means the promissory note signed by Borrower and dated August 11, 2004. The Note states that Borrower owes Lender One
<br />Hundred Ninety -five Thousand & 00/100 Dollars (U.S. $195,000.00) plus interest. Borrower has promised to pay this debt in regular
<br />Periodic Payments and to pay the debt in full not later than February 11, 2005.
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all
<br />sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />Adjustable Rate Rider Condominium Rider 0 Second Home Rider
<br />Balloon Rider Planned Unit Development Rider F1 Other(s) [specify]
<br />1 -4 Family Rider Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
<br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
<br />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
<br />value and /or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts
<br />under Section 3 of this Security Instrument.
<br />Page 1 of 9
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