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Definitions <br />Return To: <br />Home Federal Savings and Loan Association of Grand Island <br />221 South Locust St <br />Grand Island, NE 68801 <br />Prepared By: <br />Sarah Kosch <br />221 South Locust St <br />Grand Island, NE 68801 <br />Deed of Trust <br />r <br />W <br />r-a <br />c <br />—4 "I <br />r <br />- 17.3 <br />r CT.D <br />(.A) 341: <br />j) (r) <br />(j) <br />u) ) <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated Decembe r 13 , 2012 , together with all <br />Riders to this document. <br />(B) "Borrower" is Barry A Skalberg and Traci L Skalberg, Husband and Wife <br />Borrower is the trustor under this Security Instrument. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP 8 <br />Wolters Kluwer Financial Services <br />Form 3028 1/01 <br />VMP8(NE) (1105) <br />Page 1 of 17 <br />1 <br />