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After Recording Return To: z c = ri p 73 ¢ y N m n N —1 NATIONPOINT n ° ATTENTION: RECORDS MANAGEMENT _ -°„ ° �1 2150 NORTH FIRST STREET -( ° C% N a o 0 SAN JOSE, CA 95131 0 Z-3 7a i--` v e- E y @ m O - - [Space Above T61s Lloe Nor Recording Dmal -'— — " DEED OF TRUST DEFINITIONS Sd Words used in multiple sections of this document are defined below and other words aze defined in Sections 3, I1, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) `Security Instrument" means this document, which is dated February 24, 2005 , together with all Riders to this document. (B) 'Borrower" is JORGE G ORTIZ AND NORMA E BERMUDEZ- SALINAS, bcct- baMC4 ' u)i(2 Borrower is the trusan under this Security Instrument. (C) "Lender" is NATIONPOINT A DIVISION OF NAT. CITY BANK OF IN Lender is a National Association organized and existing under the laws of United States of America . Lender's address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 . Lender is the beneficiary under this Security instrument. (D) "Trustee" is FIRST AMERICAN TITLE COMPANY (F.) "Note" means the promissory note signed by Borrower and dated February 24, 2005 . The Note states that Borrower owes Lender Sixty Four Thousand and ❑0/100 Dollars (U.S. $ 64,000.00 ) plus interest. Borrower has prortdsed to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 01, 2035 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Load' memrs the debt evidenced by the Note, plus interest, any prepayment charges mid late charges due under the Note, and all sums due under this Security Instrument, plus interest. (II) `Riders" means all Riders to this Security Instrument that me executed by Borrower. The following Riders are to he executed by Borrower [check box as applicable]: I Adjustable Rate Rider ❑ Condourinium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1 -4 Family Rider ❑ Biweekly Paymeni Rider NERItASI{A�ingle Femll FanNe M.01, ddle Mna UNIFORM INSTRUMENT ncnlstsulooln MFNE3111 (Pagel olll Page) ❑ Second Horne Rider 0 Odrer(s) [specify) Prepay Rider Form 3038 1/01 4000253209 nArxT.D• To 0r4uer IM 530 9393 Dfv.1. 1901191 m n n x CA M CA n X= Borrower is the trusan under this Security Instrument. (C) "Lender" is NATIONPOINT A DIVISION OF NAT. CITY BANK OF IN Lender is a National Association organized and existing under the laws of United States of America . Lender's address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 . Lender is the beneficiary under this Security instrument. (D) "Trustee" is FIRST AMERICAN TITLE COMPANY (F.) "Note" means the promissory note signed by Borrower and dated February 24, 2005 . The Note states that Borrower owes Lender Sixty Four Thousand and ❑0/100 Dollars (U.S. $ 64,000.00 ) plus interest. Borrower has prortdsed to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 01, 2035 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Load' memrs the debt evidenced by the Note, plus interest, any prepayment charges mid late charges due under the Note, and all sums due under this Security Instrument, plus interest. (II) `Riders" means all Riders to this Security Instrument that me executed by Borrower. The following Riders are to he executed by Borrower [check box as applicable]: I Adjustable Rate Rider ❑ Condourinium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1 -4 Family Rider ❑ Biweekly Paymeni Rider NERItASI{A�ingle Femll FanNe M.01, ddle Mna UNIFORM INSTRUMENT ncnlstsulooln MFNE3111 (Pagel olll Page) ❑ Second Horne Rider 0 Odrer(s) [specify) Prepay Rider Form 3038 1/01 4000253209 nArxT.D• To 0r4uer IM 530 9393 Dfv.1. 1901191