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200211900 <br />(C) "Lender" is HOMECOMINGS FINANCIAL NETWORK, INC. <br />Lender is aCORRORATION <br />organized and existing under the laws of DELAWARE , <br />Lender's addressis 27725 STANSBURY BLVD, SUITE 375 <br />FARMINGTON HILLS, MI 48334 <br />(D)"Trustee" is ATTY. JAMES R. GANZ, A MEMBER OF THE NEBRASKA STATE BAR <br />ASSOC. <br />(E) "MERS" 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) "Note" means the promissorynote signed by Borrowerand dated OCTOBER 30TH, 2002 <br />The Note states that Borrower owes Lender FORTY FIVE THOUSAND AND NO 1100 <br />Dollars <br />(U.S. $ 45, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later tharNOVEMBER 1ST, 2017 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepaymentcharges and late charges <br />due under the Note, and all sums due under this Security Instrument, plus interest. <br />(I) "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 />Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider <br />0 Balloon Rider Planned Unit Development Ride 1 -4 Family Rider <br />0 VA Rider Biweekly Payment Rider 0 Other(s) [specify] <br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (thathave the effect of law) as well as all applicable final, <br />non - appealable judicial opinions. <br />(K) "Community Association Dues, Fees, and Assessments" means all does, fees, assessmentsand other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(L) "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 financial institution to debit <br />or credit an account. Such term includes, but is not limited to, paint -of -sale transfers, automatedteller <br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(M) "Escrow Items" meansthoseitems that are describedin Section 3. <br />(N) "Miscellaneous Proceeds" means any compensation, 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: (i) <br />damage to, or destruction of, the Property; (ii) condemnationor other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentationsof, 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 />MFNE7770 (12/00) / 041 - 517366-5 idm.; <br />(SP-6A)NE) moose 1.y. 2.115 ///���... Form 3026 1/01 <br />