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DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain ndes regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated January 31, 2003 <br />together with all Riders to this document. <br />(B) 'Borrower" is DAN J GRAY AND THERESA GRAY, HUSBAND AND WIFE, AS JOINT TENANTS <br />WITH RIGHT OF SURVIVORSHIP AND NOT AS TENANTS IN COMMON <br />Borrower is the tmstor under this Security Instrument. <br />NEBRASKA - Single Family -Fnmde Mae/Freddie Mae UNIFORM INSTRUMENT <br />,=b(NE) (000) <br />Form 30281/81 <br />=a <br />C <br />M <br />(l <br />oTj <br />M D <br />` <br />m <br />N <br />o <br />N <br />coCD <br />co CD <br />Ul <br />N <br />N <br />RenunTo: wells Fargo Bank National Association <br />N <br />P.O. Box 43380 <br />Q <br />Albuquerque, NM 8]199 -3380 <br />Albuquerque, M8 <br />200302181 <br />Prepared By: Home Equity Origination Center <br />MAC X2405 -01P <br />I Home Campus <br />J- <br />Des Moines, IA 50328 <br />Sc, <br />BROOKEHUSTED 515- 221 -5888 <br />[Space Above <br />This Line For Recording Data] <br />REFERENCE #: 20023532900447 <br />ACCOUNT 4:0032954257 <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, <br />11, 13, 18, 20 and 21. Certain ndes regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated January 31, 2003 <br />together with all Riders to this document. <br />(B) 'Borrower" is DAN J GRAY AND THERESA GRAY, HUSBAND AND WIFE, AS JOINT TENANTS <br />WITH RIGHT OF SURVIVORSHIP AND NOT AS TENANTS IN COMMON <br />Borrower is the tmstor under this Security Instrument. <br />NEBRASKA - Single Family -Fnmde Mae/Freddie Mae UNIFORM INSTRUMENT <br />,=b(NE) (000) <br />Form 30281/81 <br />