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RE- RECORDED 200411297 200403144 Lender is a aoiporation organize an existing under the laws of the State of Iowa Lender's address is 711 High Street, Des Moines, IA 50392 (D) "Trustee" is Thones L. Saladino (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MFRS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, Ml 48501-2026, tel. (898) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated February 25, 2004 The Note states that Borrower owes Lender one hundred six tho and three hundred and NO /100ths Dollars (U.S. $ 106, 300.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2014 (0) "Property" means the property that is described below under the heading `Transfer of Rights in the Property" (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due tinder this Security Instrument, plus interest. (1) "Riders" means all Riders to this Security Instalment that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider ❑ 1 -4 Family Rider ® Revocable Trust Rider Q Others) [specify] Settlor /Credit Applicant Acknoorled,gment (d) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (K) "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 organization. (L) "Electronic Funds Transfer° means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M) "Escrow Items" means those items that are described in Section 3. (N) "Miscellaneous 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, Loan NO.' 2337915 -9 Initials: %)%L JL Nebraska need of l'rmi- Single Fanuly- FRnnie Mae /Freddie Mac l JN[FORM INSTRUMENT MERS Mounted Form 302801101 —Tor CONPLIANCESOIIRCF, INC. Nge 2 of 13 » » »�omvnanaamurtamm imi nmirinlnuu lnsllitti a un;illin eaoW lM1CI— Oh— I......-