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200303338 <br />(C) "Lender" is Commercial Federal Bank <br />Lender is a corporation <br />organized and existing under the laws of The State of Nebraska <br />Lender's address is 13220 California St, Omaha, NE 68154 <br />(D)'Trustee "]s Commercial Federal Bank, a Federal Savings Bank <br />(E) 'HERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is <br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary <br />under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an <br />address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Nate" means the promissory note signed by Borrower and dated Narch 17, 2003 <br />The Note states that Borrower owes Lender sixty one Thousand And Zero /100 <br />Dollars <br />(U.S. $61,000.00 ) plus interest. Borrower bas promised to pay this debt in regular Periodic <br />Payments and to pay the debt in fall not later than April 01, 2033 <br />(G) 'Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(II) '7.oaa" ratans 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 />(1) ' 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 />0 Adjustable Rate Rider 0 Condominium Rider 1r��-- Second Home Ride' <br />0 Balloon Ride 0 Planned Unit DO clopment Rider U 1-4 Family Rider <br />0 VA Rider 0 Biweekly Payment Rider 0 Other(s) [specify] <br />(.n "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,appealablejudicial opinions. <br />(K) 'Community Association Dues, Fees, and Amusements" means all dues, fees, assessments and other <br />charges that we imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(L) ' Riectronic Funds Transfer" means any transfer of funds, other than a transaction originated by <br />check, draft, or similar papa instrument, which is initiated through an electronic terminal, telephonic <br />instrument, computer, or magnetic tape so as m order, insamct, or authorize a financial institution to debit <br />or credit an account. Such term includes, but is not limited to, point -of -sale transfers, amounted tell" <br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(M) "Escrow Items" means those items that are described in Section 3. <br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid <br />by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condition of the Property. <br />(0) 'Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, <br />the Loan. <br />17410630 17410630 <br />mine. i <br />®- mAINEi Form 3030 1101 <br />