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<br />200803379 <br /> <br />(B) "Bol'I'ower" is KR I STENE R. FREAR AND HOWARD E FREAR W I FE AND HUSBAND <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is WASH I NGTON MUTUAL BANK FA <br />, <br /> <br />Lender is a FEDERAL SAV I NGS BANK <br />organized and existing under the laws of THE UN I TED STATES OF AMER I CA <br />Lender's address is 2273 N. GREEN VALLEY PARKWAY, SUITE 14, HENDERSON, NV <br />89014 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" iSSTEFF I A SWANSON <br /> <br />(E) "Note" means the promissory note signed by Borrower and dated APR I L 21, 2008 <br />The Note states that Borrower owes Lender ONE HUNDRED ELEVEN THOUSAND FIVE HUNDRED <br />FIFTY AND 00/100 Dollars <br />(U.S. $ 111,550.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than MAY 01, 2038 . <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights <br />in the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late <br />charges 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 <br />following Riders are to be executed by Borrower [check box as applicablel: <br /> <br />D Adjustable Rate Rider <br />D Balloon Rider <br />DVA Rider <br /> <br />D Condominium Rider D Second Home Rider <br />o Planned Unit Development Rider D 1-4 Family Rider <br />D Biweekly Payment Rider D Other{s) [specify] <br /> <br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, <br />regulations, ordinances and administrative rules and orders (that have the effect of law) as well as <br />all applicable final, non-appealable judicial opinions. <br />(1) "Community Association Dues, Fees, and Assessments" means all dues, fees, <br />assessments and other charges that are imposed on Borrower or the Property by a condominium <br />association, homeowners association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction <br />originated by check, draft, or similar paper instrument, which is initiated through an electronic <br />terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize <br /> <br />~ -6(NE) (0407) <br /> <br />Page 2 of 16 <br /> <br />'"'''''" ,. <br /> <br />Form 3028 1/01 <br />