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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 FEBRUARY 13 2001 together with all Riders to this document. (B) "Borrower" is DAVID ARELLANO AND OFILIA ARELLANO HUSBAND AND WIFE AS JOINT TENANTS Borrower is the trustor under this Security Instrument. (C) "Lender" is HEARTHSIDE LENDING CORP., A KANSAS CORPORATION Lender is a CORPORATION organized and existing under the laws of KANSAS Lender's address is CORPORATE HILLS NORTH 4770 NORTH BELLEVIEW, SUITE 100, GLADSTONE, MISSOURI 64116 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE CO. (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 13 2001 The Note states that Borrower owes Lender FORTY EIGHT THOUSAND SIX HUNDRED AND 00/100 Dollars (U.S. $ 4 8, 6 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not .later than MARCH 1, 2031 (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]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ® Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider TIMELY PAYMENT REWARDS RIDER NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 Document Systems, Inc. (800) 649 -1362 Page 1 of 13 NE3028. DOT ORIGINAL m C) rn n C Z F C=) �i c n M M m m o CiE) After Recording Return To: o HEARTHSIDE LENDING CORP. �� rn -" ►—+ CORPORATE HILLS NORTH 47'0 ORT Fri BELLEVIEW, SUITE 100 6 o n �, GLADSTONE, MISSOURI 6411 U) u, Loan Number 00 -26162 v\ N M Cn CO NATIONS TITLE AGENCY INC. 9415 NALL AVE. ■ SHAWNEE MISSION, KS 66207 (913)383.9454 [Space Above This Line For Recording Fatal ,° DEED OF TRUST ' Sa 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 FEBRUARY 13 2001 together with all Riders to this document. (B) "Borrower" is DAVID ARELLANO AND OFILIA ARELLANO HUSBAND AND WIFE AS JOINT TENANTS Borrower is the trustor under this Security Instrument. (C) "Lender" is HEARTHSIDE LENDING CORP., A KANSAS CORPORATION Lender is a CORPORATION organized and existing under the laws of KANSAS Lender's address is CORPORATE HILLS NORTH 4770 NORTH BELLEVIEW, SUITE 100, GLADSTONE, MISSOURI 64116 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE CO. (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 13 2001 The Note states that Borrower owes Lender FORTY EIGHT THOUSAND SIX HUNDRED AND 00/100 Dollars (U.S. $ 4 8, 6 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not .later than MARCH 1, 2031 (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]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ® Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider TIMELY PAYMENT REWARDS RIDER NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 Document Systems, Inc. (800) 649 -1362 Page 1 of 13 NE3028. DOT ORIGINAL