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[Space Above This Line For Recording Data] <br />Loan Number 2280040205360 <br />MIN: 100077910001675525 <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, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated MARCH 16, 2004, together with all Riders <br />to this document. <br />(B) "Borrower" is MICHEAL S. GATTO AND DEBRA A. GATTO, HUSBAND AND WIFE. Borrower <br />is the trustor under this Security Instrument. <br />(C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY <br />organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES <br />DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. <br />(D) "Trustee" is TICOR TITLE INSURANCE COMPANY. <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated MARCH 16, 2004. The Note states that <br />Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100ths Dollars (U.S.$74,000.00) plus <br />interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not <br />later than MARCH 16, 2034. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />NEBRASKA- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 (Pagel of 13 pages) <br />1 11111111111 III1I 11111 11111 11111 11111 1111111111 III1I 11111 III1I 11111 1111111111 III1I 1111 IN <br />M <br />n k <br />Z <br />rn CA <br />CA <br />rn <br />M <br />n <br />O <br />O _n <br />AF--+ <br />O N <br />o <br />rn z <br />= M <br />—� <br />rn <br />D W <br />p <br />rn <br />After Recording Return To: <br />Cn <br />Cla <br />n <br />cn <br />�-► <br />�� <br />co <br />Decision One Mortgage Company, LLC <br />Cn <br />CO Z <br />6060 J.A. Jones Drive, Suite 1000 <br />C <br />Charlotte, North Carolina 28287 <br />[Space Above This Line For Recording Data] <br />Loan Number 2280040205360 <br />MIN: 100077910001675525 <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, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated MARCH 16, 2004, together with all Riders <br />to this document. <br />(B) "Borrower" is MICHEAL S. GATTO AND DEBRA A. GATTO, HUSBAND AND WIFE. Borrower <br />is the trustor under this Security Instrument. <br />(C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY <br />organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES <br />DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. <br />(D) "Trustee" is TICOR TITLE INSURANCE COMPANY. <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated MARCH 16, 2004. The Note states that <br />Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100ths Dollars (U.S.$74,000.00) plus <br />interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not <br />later than MARCH 16, 2034. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />NEBRASKA- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 (Pagel of 13 pages) <br />1 11111111111 III1I 11111 11111 11111 11111 1111111111 III1I 11111 III1I 11111 1111111111 III1I 1111 IN <br />