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<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13,
<br />18, 20 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 22nd, 2004 , together with all
<br />Riders to this document. %
<br />(B) "Borrower" is LORA M. FINDLEY , a single person, JIM D. FINDLFY, A FT ,MLF.A
<br />PFRSON AND SFARON J. DFWFFSF, A SINGLE PERSON
<br />. Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is NEW HORIZONS COMMUNITY CREDIT UNION
<br />Lender is a FINANCIAL INSTITUTION organized and existing under the
<br />laws of COLORADO Lender's address is 99 SOUTH
<br />BROADWAY , DENVER , COLORADO 80209 Lender is the
<br />beneficiary under this Security Instrument. <
<br />(D) "Trustee" is ,�i� l� ;�I%A / 5�'�'� ��` 'I� / � /4fi,6 / W/ ' (7 �1)4
<br />FIDELITY NATIONAL TITLE INSURANCE COMPANY �
<br />(E) "Note" means the promissory note signed by Borrower and dated July 22nd, 2004 The Note
<br />states that Borrower owes Lender One Hundred Sixteen Thousand and no /100- - - - - - - - - -
<br />- - - - - - - - - -- - - - - Dollars (U.S. $ 116, 000. 0 0 ) plus interest. Borrower has
<br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1st,
<br />2005
<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 />(II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to
<br />be executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider X1 Other(s) [specify]
<br />❑ 1-4 Family Rider ❑ Biweekly Payment Rider CONSTRUCTION RIDER
<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
<br />opinions.
<br />Q) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that
<br />are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br />similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
<br />tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
<br />not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
<br />transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction
<br />of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of
<br />condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property.
<br />(1) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />Initials:
<br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page I of 9 pages)
<br />NE1CM1 - 11062000 www.MortgageBankingSystems.com
<br />rtgag ankingSystems.com
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<br />RECORD AND RETURN TO
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<br />DENVER, COLORADO 80212
<br />Attn: DOCUMENTS
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<br />Line For Recording Data]
<br />DEED OF TRUST
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<br />Loan ID
<br /># 34204118NH
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<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13,
<br />18, 20 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 22nd, 2004 , together with all
<br />Riders to this document. %
<br />(B) "Borrower" is LORA M. FINDLEY , a single person, JIM D. FINDLFY, A FT ,MLF.A
<br />PFRSON AND SFARON J. DFWFFSF, A SINGLE PERSON
<br />. Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is NEW HORIZONS COMMUNITY CREDIT UNION
<br />Lender is a FINANCIAL INSTITUTION organized and existing under the
<br />laws of COLORADO Lender's address is 99 SOUTH
<br />BROADWAY , DENVER , COLORADO 80209 Lender is the
<br />beneficiary under this Security Instrument. <
<br />(D) "Trustee" is ,�i� l� ;�I%A / 5�'�'� ��` 'I� / � /4fi,6 / W/ ' (7 �1)4
<br />FIDELITY NATIONAL TITLE INSURANCE COMPANY �
<br />(E) "Note" means the promissory note signed by Borrower and dated July 22nd, 2004 The Note
<br />states that Borrower owes Lender One Hundred Sixteen Thousand and no /100- - - - - - - - - -
<br />- - - - - - - - - -- - - - - Dollars (U.S. $ 116, 000. 0 0 ) plus interest. Borrower has
<br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1st,
<br />2005
<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 />(II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to
<br />be executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider X1 Other(s) [specify]
<br />❑ 1-4 Family Rider ❑ Biweekly Payment Rider CONSTRUCTION RIDER
<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
<br />opinions.
<br />Q) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that
<br />are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br />similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
<br />tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
<br />not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
<br />transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction
<br />of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of
<br />condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property.
<br />(1) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />Initials:
<br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page I of 9 pages)
<br />NE1CM1 - 11062000 www.MortgageBankingSystems.com
<br />rtgag ankingSystems.com
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