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200214320
<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. RATELMAN, ESQ.
<br />10855 WEST DODGE RD, SUITE 240, OMAHA, NE 68145
<br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 13, 2002
<br />The Note states that Borrower owes Lender FORTY FIVE THOUSAND THREE HUNDRED AND
<br />00/100 Dollars
<br />(U.S. $ * * * * *45, 300.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than JANUARY 01, 2018
<br />(F) "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 />(Iq "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
<br />Riders arc to be executed by Borrower [check box as applicahlc]:
<br />Adjustable Rate Rider El Condominium Rider 0 Second Home Rider
<br />El Balloon Rider Ll Planned Unit Development Rider 1 -4 Family Rider
<br />VA Rider 0 Biweekly Payment Rider Other(s) [specify]
<br />(1) "Applicable Law" means all controlling applicable federal, state and local connotes, regulations,
<br />ordinances and administrative rules and orders (that have [he effect of law) as well as all applicable final,
<br />non - appealable judicial opinions.
<br />(.f) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Properly by a condominium association, homeowners
<br />association or sindlar organization.
<br />(R) " Flectronic 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, ins[me[, or authorize 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, wire transfers, and nominated clearinghouse
<br />transfers.
<br />B.) "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) for- (i)
<br />damage to, or destruction of, the Properly; (ii) condemnation or other taking of all or any part 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,
<br />the Loan.
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