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(A) "Security Instrument" means this document, which is dated 118/2003 , together with all Riders to this document. (B) -Borrower" is TODD M. BOWMAN AND MICHELLE M. BOWMAN, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is PROVIDENT FUNDING ASSOCIATES, L.P. . Lender is a LIMITED PARTNERSHIP organized and existing under the laws of CALIFORNIA . Lender's address is 1633 BAYSHORE HWY STE 150 , BURLINGAME, CA 94010 . (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY, A CALIFORNIA CORPORATION (E) "MERS" is Mortgage Electronic Regishafion Systems, hlc. MERS is a separate corporation that is acting solely as a nominee For Lender and Lender's successors and assigns. MERS 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, MI 48501 -2026, let. (888) 679 -MERS. (F) "Note" means the prontissory note signed by Borrower and dated 1/8/2003 The Note states that Borrower owes Lender EIGHTY ONE THOUSAND AND 00 /100 Dollars (U.S. $81,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 2/1/2018 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property ". DO "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. NEBRASKA — Single Family— Fannie Mae redrie Mac UNIFORM INSTRUMENT Form 30281Im (page l oflipoga) WZONE- 0 8122 /01 12]8 PM lr.r. er Initiate —kt4- Da- 01/W/OJ9.59 Ah1 After Recording Return To: PROVIDENT FUNDING ASSOCIATES, L.P. - T PO BOX 5913 m C) r) n m SANTA ROSA, CA 95402 c N ca m Loan No. 5112090054 CI D Z In rn �) z� -_ I o 3 M o, SO [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS MIN 1000179 - 5112090054 -6 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 118/2003 , together with all Riders to this document. (B) -Borrower" is TODD M. BOWMAN AND MICHELLE M. BOWMAN, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is PROVIDENT FUNDING ASSOCIATES, L.P. . Lender is a LIMITED PARTNERSHIP organized and existing under the laws of CALIFORNIA . Lender's address is 1633 BAYSHORE HWY STE 150 , BURLINGAME, CA 94010 . (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY, A CALIFORNIA CORPORATION (E) "MERS" is Mortgage Electronic Regishafion Systems, hlc. MERS is a separate corporation that is acting solely as a nominee For Lender and Lender's successors and assigns. MERS 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, MI 48501 -2026, let. (888) 679 -MERS. (F) "Note" means the prontissory note signed by Borrower and dated 1/8/2003 The Note states that Borrower owes Lender EIGHTY ONE THOUSAND AND 00 /100 Dollars (U.S. $81,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 2/1/2018 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property ". DO "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. NEBRASKA — Single Family— Fannie Mae redrie Mac UNIFORM INSTRUMENT Form 30281Im (page l oflipoga) WZONE- 0 8122 /01 12]8 PM lr.r. er Initiate —kt4- Da- 01/W/OJ9.59 Ah1