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20020324 <br />(B) "Borrower" is TODD FR I ESEN , and Lori K. Friesen, husband and wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is WASHINGTON MUTUAL BANK, FA <br />Lender is a FEDERAL SAVINGS BANK <br />organized and existing under the laws of THE UNITED STATES OF AMERICA <br />Lender's address is 3883 AIRWAY DRIVE, SANTA ROSA , CA 95403 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" isADVANTAGE T I T L E <br />(E) "Note" means the promissory note signed by Borrower and dated MARCH 20, 2002 <br />The Note states that Borrower owes Lender ONE HUNDRED S I XTY THOUSAND F I VE HUNDRED <br />AND 00/100 Dollars <br />(U.S. $ 160 ,500.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than APR I L 01 , 2032 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights <br />in the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late <br />charges 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 <br />following Riders are to be executed by Borrower [check box as applicable]: <br />Adjustable Rate Rider 0 Condominium Rider D Second Home Rider <br />0 Balloon Rider 0 Planned Unit Development Rider F—] 1 -4 Family Rider <br />VA Rider F--] Biweekly Payment Rider 0 Other(s) [specify] <br />PREPAYMENT RIDER <br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, <br />regulations, ordinances and administrative rules and orders (that have the effect of law) as well as <br />all applicable final, non - appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, <br />assessments and other charges that are imposed on Borrower or the Property by a condominium <br />association, homeowners association or similar organization. <br />(K) Electronic Funds Transfer means any transfer of funds, other than a transaction <br />originated by check, draft, or similar paper instrument, which is initiated through an electronic <br />terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize <br />(-6(NE) (0005).02 <br />Page 2 of 15 <br />initials: / 7 <br />Form 3028 1/01 <br />