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<br />DEED OF TRUST
<br />DEFINITIONS
<br />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.
<br />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 FEBRUARY 21 , 2 0 O 1 together with all Riders to this
<br />document.
<br />(B) "Borrower" is GARY H EBEL AND LINDA K E 0 E L HUSBAND AND WIFE AS JOINT TENANTS
<br />. Borrower lsthe trusior under this Security Instrument.
<br />(C)"Lendarls FIRST NATIONAL BANK AND TRUST COMPANY .Lenderisa
<br />f o r o r a t i o n organized and existing under the laws o THE UNITED STATES
<br />n F A M F R I r A Lender's a ress Is 73D Col IMUN ME 68BDZ
<br />. Lender is the beneficiary under
<br />this ecuritylnetrumem.
<br />(D) "Trustee" is F T R S I A T 1 n N L RANK 0 0 M A H A 1620 nndae Street Omaha NE 68102
<br />RE) "Note" means the promissory note signed by Borrower and dated F E B R U A R Y 2 1 , 2 0 0 4 . The Note states that
<br />orrower owes Lender
<br />Dollars (U,S, $ 1 o 2 s s o U D pus interest.
<br />Borrower has promised to pay this debt in regular Perio is Payments and to pay the debt in full not later than M A R c H 1
<br />L-i4
<br />(F) "Property" means the property that Is described below under the heading 'Transfer of Rights in the Property.'
<br />(Gsuma due this Security debt evidenced by c
<br />he Note, plus interest, any prepayment charges and late charges due under the Note, and
<br />(N) "Rid executed "Riders" means all Riders to this Security Instrument that are execed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />El Adjustable Pate Rider ❑ Condominium Rider ❑Second Home Ruder
<br />❑ Balloon Rider ❑ Planned Unit Development &der ❑ Other(s) [specity]
<br />❑ 14 Family Bitter ❑ &weakly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />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 charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order,
<br />instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale
<br />transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property,
<br />ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and /or condition of the Property.
<br />(N) "Mortgage Insurance" means Insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(D) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under Section 3 of this Security Instrument.
<br />RP) "RESPA" means the Real Estate Settlement Procedures Act (12 1 2§01 at seq.) and its implementing regulation,
<br />egulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and
<br />restrictions that are imposed in regard to a'federally related mortgage loan' even If the Loan does not qualify as a'federally related
<br />mortgage loan" under RESPA.
<br />(Q) "Successor in Interest of Borrower' means any party that has taken title to the Property, whether or not that party has
<br />assumed Borrowers obligations under the Note and /or this Security Instrument.
<br />AFTER RECORDING RETURN TO:
<br />FIRST NATIONAL BANK AND TRUST COMPANY
<br />MORTGAGE LOAN DEPARTMENT
<br />P.O. BOX 7 30
<br />COLUMBUS, NE 68602 07 30
<br />NENM9NhSingle Family ^Fannie Mee /Freddle Mao UNIFORM INSTRUMENT F M 3038 1101 (papa 1 Of F pager)
<br />fare NE anT 1101 Pen
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