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<br />(C)"Lender"IS WELLS FARGO BANK, N.A.
<br />Lender is a NATIONAL ASSOCIATION
<br />organized and existing under the laws of TBE UNITED STATES
<br />bender's address is P-o. BOX 22702, NEWARK, NJ 071024701
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is WELLS FARGO FINANCIAL NAIL BNK
<br />C/O SPEC. SERV., PO BOX 31557, BILLINGS, M7.' 69107 .
<br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 31, 2009
<br />The Note States that BOrrOWer OWeS Lender EIGHTY SEVEN THOUSAND FOUR HUNDRED TEN AND
<br />0 0 / 10 0 Dollars
<br />(U.S. $ * * * * * 87 , 410.0 0 )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, 2025
<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 Nate, 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 ^ Planned Unit Development Rider ~ l-4 Family Rider
<br />0 VA Rider ~ Biweekly Payment Rider ^ Other(s) [specify]
<br />(I) "Applicable Law" means all controlling applicable federal, state and local 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 />(J) "Community Association Dues, Fees, and Assessments" means ap dues, fees, assessments and other
<br />charges that are imposed on Borrower ar 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 order, instruct, 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 initialed by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceods" 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 Property; (ii) condemnation or other taking of all or any part of the
<br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations af, or omissions as ta, the
<br />value and/or condition of the Property.
<br />(1~ "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />N~RASICA -Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMBJT
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