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200207333
<br />(C) "Lender" is WELLS FARGO HOME MORTGAGE, INC.
<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 5137, DES MOINES, IA 503065137
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is JOHN S. KATELMAN, ESQ.
<br />10855 WEST DODGE RD, SUITE 240, OMARA, WE 68145
<br />(E) "Note" means the promissory note signed by Borrower and dated JULY 08, 2002
<br />The Note states that Borrower owes Lender ONE HUNDRED THIRTEEN THOUSAND AND 00 /100
<br />Dollars
<br />(U.S. $ * ** 113, 000.00 ) plus inmrest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay (Tic dchl in full not later than AUGUST 01, 2032
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in [he
<br />Property."
<br />(C) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and lam charges
<br />duc under the Nora, and all sums due tinder this Security Instrument, plus interest.
<br />(TD "Riders" means all Riders to this Security Instrument that are exeeutial by Borrower. The tollowing
<br />Riders are to be executed by Borrower [check box as applicable]'
<br />L] Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider
<br />F-1 Balloon Rider U Planned Unit Development Rider ❑ 1 -4 Family Rider
<br />L] VA Rider Ll Biweekly Payment Rider 0 Other(s) Ispecity]
<br />(1) "Applicable Law" means all controlling applicable federal, stale and local statutes, regulations,
<br />ordinances and administrative rule., and orders (that have the effect of law) as well as all applicable final,
<br />non - appealable judicial opinions.
<br />(.n "Community Association Does, Fees, and Assessments" nieatts all dues, fees, assessments and other
<br />charges that are imposed on Borrower or [lie Properly by a condominium association, homeowners
<br />association nr similar organization.
<br />(K) "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 />inetrmncnL eompulcr, or magnetic tape so as to order, instruct, or authorize a financial institution hr debit
<br />nr credit an account. Such term includes, but is not limited to, paint -of -sale transfer.,, 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 party (other than insurance proceeds paid under the coverages described in Section 5) far: (1)
<br />damage to, or destruction of, the Property; (it) condemnation or other taking of all or any pan 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 />(N) "Mortgage Insurance" means insurance: protecting Lender against the nonpayment of, or default on,
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