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2004101 1
<br />6NE2/0134769439
<br />(C) "Lender" is CRESTAR MORTGAGE CORPORATION
<br />Lender is a CORPORATION
<br />organized and existing under the laws of THE COMMONWEALTH OF V I R G I N I A
<br />Lender's address is 901 SEMMES AVENUE, RICHMOND, VA 23224
<br />(D) "Trustee" is ERIC H. L I NDQU I ST , NE STATE BAR ASSOC
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation
<br />that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the
<br />beneficiary under this Security Instrument. MERS is organized and existing under the laws of
<br />Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel.
<br />(888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated OCTOBER 05, 2004 .
<br />The Note states that Borrower owes Lender SEVENTY NINE THOUSAND THREE
<br />HUNDRED AND 00/100 Dollars
<br />(U.S. $ 79, 300 . 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 NOVEMBER 01, 2024
<br />(G) "Property" means the property that is described below under the heading "Transfer of
<br />Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late
<br />charges due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The
<br />following Riders are to be executed by Borrower [check box as applicable]:
<br />F7 Adjustable Rate Rider F7 Condominium Rider 0 Second Home Rider
<br />Balloon Rider 0 Planned Unit Development Rider F-] 1 -4 Family Rider
<br />VA Rider F-] Biweekly Payment Rider F7 Other(s) [specify]
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes,
<br />regulations, ordinances and administrative rules and orders (that have the effect of law) as well as
<br />all applicable final, non - appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees,
<br />assessments and other charges that are imposed on Borrower or the Property by a condominium
<br />association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction
<br />originated by check, draft, or similar paper instrument, which is initiated through an electronic
<br />terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize
<br />a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point- of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
<br />transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or
<br />proceeds paid by any third party (other than insurance proceeds paid under the coverages
<br />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)
<br />misrepresentations of, or omissions as to, the value and /or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or
<br />default on, the Loan.
<br />(00- 6A(NE) (0005) A106A02NE (11/02) page 2 of 16 Form 3028 1/01
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