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D CD n cn o rn X A M N --1 � z —1 f r CD n M 200107958 DEFINITIONS m C � . n n ;n z [Space Above This Line For Recording Data] O DEED OF TRUST 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 July 24th 2001 , together with all Riders to this document. (B) "Borrower" is DANIEL R. GARNER AND AMY M. GARNER . HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is MORTGAGE LOANS OF AMERICA, LLC Lender is a Limited Liability Company organized and existing under the laws of NEBRASKA Lender's address is 2407 SOUTH 133RD PLAZA OMAHA, NE 68144 Lender is the beneficiary under this Security Instrument. (D) "Trustee" isGARY W. WRIGHT, A LICENSED REAL ESTATE BROKER 2411 S. 133RD PLAZA . (E) "Note" means the promissory note signed by Borrower and dated - July 24th 2001 The Note states that Borrower owes Lender Ninety Five Thousand Nine Hundred and 00/100 Dollars (U.S. $ 95.900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 5. 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 (1) "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 condoininium association, homeowners association or similar organization. NEBRASKA - single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 yQ1 page 1 of'g ) F16585.1-Ma (11/00) _ ny ori 2 CD n cn o rn N z CD CP M ° 1r co C:) O rTi r— =� cn co 4 c.J 7c CrIl ca fV C>0 O Cn O [Space Above This Line For Recording Data] O DEED OF TRUST 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 July 24th 2001 , together with all Riders to this document. (B) "Borrower" is DANIEL R. GARNER AND AMY M. GARNER . HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is MORTGAGE LOANS OF AMERICA, LLC Lender is a Limited Liability Company organized and existing under the laws of NEBRASKA Lender's address is 2407 SOUTH 133RD PLAZA OMAHA, NE 68144 Lender is the beneficiary under this Security Instrument. (D) "Trustee" isGARY W. WRIGHT, A LICENSED REAL ESTATE BROKER 2411 S. 133RD PLAZA . (E) "Note" means the promissory note signed by Borrower and dated - July 24th 2001 The Note states that Borrower owes Lender Ninety Five Thousand Nine Hundred and 00/100 Dollars (U.S. $ 95.900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 5. 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 (1) "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 condoininium association, homeowners association or similar organization. NEBRASKA - single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 yQ1 page 1 of'g ) F16585.1-Ma (11/00) _ ny ori 2