200213722
<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 10304, DES MOINES, IA 503060304
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is JOHN S. KATELMAN, ESQ.
<br />10855 WEST DODGE ED, SUITE 240, OMAHA, HE 68145
<br />(E) " Note" means the promissory Dole signed by Borrower and dated NOVEMBER 01, 2002
<br />The Note states that Borrower owes LenderNINETY EIGHT THOUSAND THREE HUNDRED EIGHTY
<br />ONE AND 00/100 Dollars
<br />(U.S. $ •''t 98,381.00 381.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than NOVEMBER 01, 2017
<br />(E) "Property" means the property that is described below under the heading "Transfer of Rights in 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 be executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider L-1 Planned Unit Development Rider 1:11-4 Fancily Rider
<br />❑ VA Rider ❑ Biweekly payment Rider ❑ Omens) [specify]
<br />(1) "Applicable I.aw" means all controlling applicable federal, state and meal 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 opinions.
<br />(.p "Community Association Dues, Fees, and Assessments' means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominium association, homeowners
<br />association or 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 />instrument, computer, or magnetic tape so as to older, instruct, or authoriec a financial institution to debit
<br />or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller
<br />machine transactions, transfers initiated by telephone, were transfers, and automated clearinghouse
<br />transfers.
<br />(1.) " Escrow Items" means Ihnse 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 parry (other than insurance proceeds paid under the coverages described in Semen 5) for: (it
<br />damage to, or destruction of, the Propeny; Ui) concentration or other taking of all or any part of the
<br />Properly, (in) conveyance in lieu of condemnation; or (v) misrepresentations of, or omissions as to, the
<br />value and /or condilion of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />10- 61NEImonvi "aeeIonb Form 3028 1/01
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