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I "Riders" means all Riders to ON SecuNty Instrument that are executed by Borrower. The following Riders are
<br /> 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 ❑ Other(s) (specify)
<br /> ® 14 Family Rider ❑ Biweekly Payment Rider
<br /> (1) "Applicable Law" meatrs all controlling applicable federal , stale and beat statutes , regulations , ordinances and
<br /> administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial
<br /> opwon%
<br /> (J) "Community Association Dues, Fees, and Awcuments" means all dues , fees, assessments and other charges
<br /> that are imposed on Borrower or the Property by a condominium association , homeowners association or similar
<br /> Organization ,
<br /> (K) "Electronic Funds Transfer " means any transfer of funds , other than a transaction orlglnated by check , draft ,
<br /> or similar paper Instrument, which is initiated through an electronic terminal , telephonic Instrument , computer , or
<br /> magnetic tape so as to order, Instruct , or authorize a financial Insiltutlou to debit or credlt an account. Such term
<br /> Includes , but is not limited to, point-of--sale transfers, automated teller machine transactions , transfers initiated by
<br /> telephone , wire transfers , and automated clearinghouse transfers.
<br /> (L) "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 by any
<br /> third party (other than Insurance proceeds paid under the coverages described In Section 5) for; (1) damage to , or
<br /> destruction of, die Property; (Ii) condemnation or other taking of all or any part of the Property; (IB) conveyance in
<br /> lieu of condemnation ; or (iv) misrepresentations of, or omissions as to , the value and/or condition of the Property,
<br /> (I) "Mortgage Insurance" means losurance protecting Lender against the nonpayment of, or default on , the Loan .
<br /> (0) " Periodic Payment" means the regularly scheduled amount due for (I) principal and interest under the Note,
<br /> plus (ii) any amounts under Section 3 of this Security Instrument .
<br /> (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U. S . C . §2601 et seq .) and its implementing
<br /> regulation , Regulation X (24 C . F , R. Part 3500) , as they might be amended from time to time, or any additional or
<br /> successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,
<br /> " RESPA " refers to all requirements and res(dcdona that are Imposed in regard to a "federally related mortgage loan "
<br /> even if the Loan does not qualify as a "federally related mortgage loan" under RESPA.
<br /> (C) "Successor in Interest of Borrowor " means any party that has taken title to the Property, whether or not that
<br /> party has assumed Borrower 's obligations under the Note and/or this Security histrument .
<br /> TRANSFER OF RIGHTS IN THE PROPERTY
<br /> This Security Instrument secures to Lender $ 0) the repayment of the Loan , and all renewals , extensions and
<br /> modifications of the Note ; and (11) the performance of Borrower 's covenants and agreements under this Security
<br /> Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee , intrust, with power
<br /> of sale, the following described property located in the
<br /> COUNTY of SAN JOAQUIN
<br /> [Type of Recordlog Jurtsdicttaa) !Name of Recording )urlsdretion)
<br /> SIE LEGAL DESCRIPTION ATTACHED KU�LM AND [ 1AOE A PART HFAWF AS EXHIBIT ' W ' ,
<br /> A . P . N . # : 059- 090-02
<br /> CALIFORNIA" Singlo Famly4 •Fannls Maa/Froddlo Mac UNIFORM INSTRUMENT AodllagrCC�tsnm�v aaaa,c• rasz
<br /> Form 3005 1 /01 Pago 2 of 14 www.dDcmVIc. com
<br /> G.)OOf.boc r.ten
<br /> Description : San Joaquin, CA Document- Year. DoclD 2005. 249782 Page: 2 of 18
<br /> Order: 6541 Comment:
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