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When Recorded Return To: US Home Mortgage, Inc. 5901 S 58th St. Suite A Lincoln, NE 68516 DEFINITIONS [Space Above This Line For Recording Data] DEED OF TRUST Cr) -n MIN: 101413800007588130 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 together with all Riders to this document. (B) "Borrower" is James C Olsen and Joyce A Olsen, husband and wife as joint tenants February 24th 2021 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 (D) "Trustee" is Citizens Bank & Trust P.O. Box 624 Loup City, NE 68853 (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) "Note" means the promissory note signed by Borrower and dated February 24th , 2021 . The Note states that Borrower owes Lender One Hundred Sixty Five Thousand Two Hundred and 00/100 Dollars (U.S. $165,200.00 ) 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, 2051 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "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. (I) "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 0 Second Home Rider 0 Balloon Rider ® Planned Unit Development Rider 0 Other(s) [specify] 1-4 Family Rider ❑ Biweekly Payment Rider (J) "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. NEBRASKA—Single Family—Fannie Mac/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 30281/01 (page I of 9 pages) 12439.CV (6/13) 1702597636 Creative Thinking, Inc. GOTO(000c6151) cjr o J/1-0 ON 1N3Wf1111SN1 SV a31131N3