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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 <br />w <br />