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<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 Note, and
<br />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 executed by
<br />f or rower [chock box as applicablo).
<br />❑Adleetable Rate Rider ❑Condominium Rider ❑ Second Home Rider
<br />❑Balloon Ricer ❑ Planned Unit Development Rider ❑0UxTe)[epecltyl
<br />❑ 1 -4 Family Ritler El Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, stale 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, hk phonle 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 S.
<br />M) 'Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />oiler 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 />(0) "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 J.&C. § 2601 at seq ) and its Implementing regulation,
<br />ogulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or anyRadddional or successor legislation or
<br />restrictiions that arre imposed in regard to a "federally Arelated in
<br />ortgage loan" even if the Loan dos not qualify aslarYederally 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 Borrower's obligations under the Note and/or this Security Instrument,
<br />AFTER RECORDING RETURN TO: n a I
<br />PLATTE VALLEY STATE BANK 8 TRUST CO
<br />MORTGAGE LOAN DEPARTMENT
<br />2223 SECOND AVE
<br />K EA R NE Y. NE 68847
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<br />[Space Above This Line For Recording Data
<br />DEED OF TRUST1,\
<br />DEFINITIONS
<br />G
<br />in sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21.
<br />Words used multiple
<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 NOVEMBER S , 2 0 0 4, together with all Riders to this
<br />document.
<br />(B) "Borrower" is DEBRA A. DALT IM AN0 RI C H A R0 B. OA L TD N. AS
<br />WIFE A N 0 HO S BA ND
<br />rrOWer l6t elNStOr Un of 16 eOUflly DslYUlifent.
<br />R U 5
<br />Oe
<br />"Lender" is PLATTE VALLEY ST Aorgan Nan
<br />Lender
<br />(C) ze ewT BrC awso THE SLen
<br />—NE —a R A K A en 6r 5 address 19
<br />en ter is I e one iciary tin ter
<br />this Security Instrumem.
<br />(D) "Trustee "is COMMERCIAL FEDERAL BANK, A FEDERAL SAVINGS
<br />BANK
<br />fE) "Note" means the promissory note $iggned t h Borrower and dated N O V E M B E R 5 .
<br />2 0 0 4 The Note states that
<br />BBorrowar owes Lender ONE HUNDRED FIVE T
<br />o us interest.
<br />� —.
<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 Note, and
<br />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 executed by
<br />f or rower [chock box as applicablo).
<br />❑Adleetable Rate Rider ❑Condominium Rider ❑ Second Home Rider
<br />❑Balloon Ricer ❑ Planned Unit Development Rider ❑0UxTe)[epecltyl
<br />❑ 1 -4 Family Ritler El Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, stale 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, hk phonle 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 S.
<br />M) 'Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />oiler 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 />(0) "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 J.&C. § 2601 at seq ) and its Implementing regulation,
<br />ogulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or anyRadddional or successor legislation or
<br />restrictiions that arre imposed in regard to a "federally Arelated in
<br />ortgage loan" even if the Loan dos not qualify aslarYederally 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 Borrower's obligations under the Note and/or this Security Instrument,
<br />AFTER RECORDING RETURN TO: n a I
<br />PLATTE VALLEY STATE BANK 8 TRUST CO
<br />MORTGAGE LOAN DEPARTMENT
<br />2223 SECOND AVE
<br />K EA R NE Y. NE 68847
<br />NEBRASXA -BN910 Femlly -a—le Matl iaedle Mac UNFORM IN37RUMENr Ferro ].. 1,e, I. e11 peps)
<br />=11 NE OOT 1 1e1 POt
<br />
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