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When Recorded Return To: US Home Mortgage, Inc. 5901 S 58th St. Suite A a Lincoln, NE 68516 0 y ❑ Adjustable Rate Rider ❑ Balloon Rider ❑ 1 -4 Family Rider n n C ill Y FMS X X DEED OF TRUST Security Instrument. (D) "Trustee" is Citizens Bank & Trust P.O. Box 624 Loup City, NE 68853 ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider Cr) [Space Above This Line For Recording Data] 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 8th , 2015 , together with all Riders to this document. (B) "Borrower" is Monica L McDonald, a single person Borrower is the trustor under this Security Instrument. (C) "Lender" is US Home Mortgage, Inc. Lender is a Corporation organized and existing under the laws of the State of Nebraska . Lender's address is 5901 S 58th St. Suite A Lincoln, NE 68516 . Lender is the beneficiary under this (E) "Note" means the promissory note signed by Borrower and dated June 8th , 2015 . The Note states that Borrower owes Lender Two Hundred Forty Two Thousand Two Hundred Fifty and 00 /100 Dollars (U.S. $ 242,250.00 ) 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, 2045 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "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. (H) "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]: ❑ Second Home Rider ❑ Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. NEBRASKA -- Single Family—Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page 1 of 9 pages) 9754.CV (6/13) 06 - 1353 Creative Thinking, Inc. GOTO(0007020c)