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(C) "Lender" is FIRST FRANKLIN FINANCIAL CORPORATION <br />200302471 <br />Lender isa Corporation <br />organized and existing under the laws of Delaware <br />Lender's address is 2150 North First St., <br />San Jose, CA 95131 <br />Lender is the beneficiary under this Security instrument. <br />(D) "Trustee"is Gary D. Byrne, a member of the Nebraska <br />Bar Association <br />(E) "Note" mean the promissory note signed by Borrower and dated February 24, 2003 <br />The Note stares that Borrower owes Lender <br />NINETY TWO THOUSAND & 00 /100 Dollars <br />(U.S. $ 92, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full rut later than March First, 2033 <br />(F) "Property" means Bne property that is described below under the heading "Transfer of Rights io the <br />Property." <br />(G) "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 he executed by Borrower [check box as applicable: <br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider <br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider <br />❑ VA Rider ❑ Biweekly Payment Rider ❑ other(s) [specify] <br />Prepayment Rider <br />(1) "Applicable Law" means all controlling applicable federal, some and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, <br />non - appealable judicial opinmrv. <br />(J) "Community Association Dues, Fees, and Assessments" mean all dues, fees, assessments and other <br />cliarges that are imposed on Borrower or the Property by a condcommurn association, homeowners <br />association or similar organization. <br />(I) "Electronic Funds 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 fnuncial institution to debit <br />or credit an account. Such term includes, but is not limited to, point- ofrsalc transfers, automated teller <br />maubiae transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(L) "Escrow Items" means those items Bat are described in Section 3. <br />(M) "Miscellaneous Proceeds" means any couipmaatinm, 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: d) <br />damage o, or destruction of, the Property; (ii) condemnation or other taking of all or any pan of the <br />Property; (iii) conveyance in lieu of wndenmadon; or (iv) misrepresentations of, or ondssions as to, 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 />® -e(NE) [000s rte= a m i s Form 3026 1101 <br />0 <br />Document # LO'/SNE <br />