Sample Document. Intended as reference only

                                                                                                 Your actual closing documents will vary according to the lending institution

Page

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After Recording Return To:

SAMPLE MORTGAGE CO.

0000 MAIN STREET

ANYWHERE, OHIO 22222

Loan Number 123456

                                                                                [Space Above This Line For Recording Data]

                    MORTGAGE

DEFINITIONS

Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 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 JUNE 5,2001 together with all Riders to        this document.

(B) "Borrower" is FRED R. SAMPLE, AN UNMARRIED MAN

Borrower is the mortgagor under this Security Instrument.

(C) "Lender" is SAMPLE MORTGAGE CO. , AN OHIO BANKING CORPORATION

Lender is a organized                     and existing under the laws of OHIO

Lender's address is 0000 MAIN STREET, ANYWHERE, OHIO 22222

Lender is the mortgagee under this Security Instrument.

(D) "Note" means the promissory note signed by Borrower and dated JUNE 5 , 2 0 0 1 . The Note states that Borrower owes Lender ONE HUNDRED FORTY THOUSAND AND 00/l00 Dollars (U.S. $ 140,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 1, 2031

(E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."

(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest.

(G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]:

{}Adjustable Rate Rider                    {}Condominium Rider                        {}Second Home Rider

{}Balloon Rider                                {}Planned Unit Development Rider      {}Other (s) [specify]

{}1-4 Family Rider                            {}Biweekly Payment Rider

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OHIO--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT                                                              Form 3036 1/01

Document Systems, Inc. (800) 649-1362                                       Page 1 of 12

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