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(C) "Lender" is NELLS FARGO HOME MORTGAGE, INC. 200301362 <br />Lender is a CORPORATION <br />organized and existing under the laws of THE STATE OF CALIFORNIA <br />Lender's address is P.O. BOX 10304, DES MOINES, IA 503060304 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is JOHN S. XATELMAN, ESQ. <br />10855 NEST DODGE RD, SUITE 240, OMAHA, HE 68145 <br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 27, 2003 <br />The Note states that Borrower owes Lender ONE HUNDRED THIRTY SIX THOUSAND AND 00/100 <br />Dollars <br />(U.S. $ * ** *136, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than FEBRUARY 01, 2033 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(C) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges <br />due under the Note, and all 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 <br />Riders are to be executed by Borrower [check box as applicable]: <br />® Adjustable Rate Rider [Z-1 Condominium Rider 0 Second Home Rider <br />❑ Balloon Rider El Planned Unit Development Rider 0 1 -4 Family Rider <br />L] VA Rider 0 Biweekly Payment Rider 0 Others) [specifyJ <br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rates and orders (that have the effect of law) as well as all applicable final, <br />non - appealable judicial opinions. <br />(J) "Community Association Does, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(IC) „Electronic Foods Transfer" means any transfer of funds, other than a transaction originated by <br />check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic <br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit <br />or credit an account. Such term includes, but is not limited to, point-of -sale transfers, automated teller <br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />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 <br />by any third parry (other than insurance proceeds paid under the coverages described in Section 5) for: (t) <br />damage m, or destruction of, the Property; (it) condemnation or other taking of all or any part of the <br />Property; (tti) conveyance in lieu of condemnation; or (tv) misrepresentations of, or omissions as m, the <br />value and /or condition of the Property. <br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, <br />the Loan. <br />m'e"ia <br />-61NEI cocas <br />»ee��is <br />Form 3028 <br />1101 <br />