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<br />DEFINITIONS
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<br />DEED OF TRUST
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated July 24th 2001 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is DANIEL R. GARNER AND AMY M. GARNER , HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is MORTGAGE LOANS OF AMERICA, LLC . Lender is
<br />a Limited Liability Company organized and existing under the laws of NEBRASKA
<br />Lender's address is 2407 SOUTH 133RD PLAZA OMAHA, NE 68144
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) 'Trustee" isGARY W. WRIGHT, A LICENSED REAL ESTATE BROKER 2411 S. 133RD PLAZA .
<br />(E) "Note" means the promissory note signed by Borrower and dated July 24th 2001 The Note
<br />states that Borrower owes Lender Ninety Five Thousand Nine Hundred and 00/100
<br />Dollars (U.S. $ 95,900.00 ) plus interest. Borrower has promised to pay this debt in
<br />regular Periodic Payments and to pay the debt in full not later than August 6,-2031
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider
<br />❑ Balloon Rider
<br />❑ 1 -4 Family Rider
<br />❑ Condominium Rider
<br />❑ Planned Unit Development Rider
<br />❑ Biweekly Payment Rider
<br />❑ Second Home Rider
<br />❑ Other(s) [specify] _
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all ;applicable final, non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />NEBRASKA - single Famuy- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1,/Q1 page 1 ot'e )
<br />F1658511VI0 (11/00) l!'1 &
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<br />DEED OF TRUST
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated July 24th 2001 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is DANIEL R. GARNER AND AMY M. GARNER , HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is MORTGAGE LOANS OF AMERICA, LLC . Lender is
<br />a Limited Liability Company organized and existing under the laws of NEBRASKA
<br />Lender's address is 2407 SOUTH 133RD PLAZA OMAHA, NE 68144
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) 'Trustee" isGARY W. WRIGHT, A LICENSED REAL ESTATE BROKER 2411 S. 133RD PLAZA .
<br />(E) "Note" means the promissory note signed by Borrower and dated July 24th 2001 The Note
<br />states that Borrower owes Lender Ninety Five Thousand Nine Hundred and 00/100
<br />Dollars (U.S. $ 95,900.00 ) plus interest. Borrower has promised to pay this debt in
<br />regular Periodic Payments and to pay the debt in full not later than August 6,-2031
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider
<br />❑ Balloon Rider
<br />❑ 1 -4 Family Rider
<br />❑ Condominium Rider
<br />❑ Planned Unit Development Rider
<br />❑ Biweekly Payment Rider
<br />❑ Second Home Rider
<br />❑ Other(s) [specify] _
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all ;applicable final, non - appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />NEBRASKA - single Famuy- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1,/Q1 page 1 ot'e )
<br />F1658511VI0 (11/00) l!'1 &
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