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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 Seellons 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 N 0 V E M B E R 4 2 0 0 4 together with all Riders to this
<br />document.
<br />IFE AND HUS BANG
<br />(B) "Borrower" is
<br />HEATHER J. HDL KMAN AND BRENT A. Ho CKMAN. AS W
<br />orcowor Ls a tru or un er Is ecunty nsirumen
<br />._. ... n, "T.c vni I Fv <TATF RANK A TRUST CD Lender is
<br />N F R R A S K A en e s a rasa is en er Is t B ene c ary un er
<br />this Security Instrument.
<br />(D) "Trustee "is FIRST NAT T O NAL BANK OF OMAHA
<br />OOfF STR ET CTOP 6 80 OMAHA NF 68197 -6300
<br />T) "Note" means the promissory note signed
<br />mower owes Lender 1.
<br />The Note states that
<br />orrower as proms o pay t Is a In regu ar eno c aymams and to pay the debt in full not later than
<br />DECEMBER 1 rg
<br />(F) "Properly" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(0) "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 />Borrower (check box as applicable]:
<br />CAElustable Rate Rider ❑Condominium Rider USecond Home Rider
<br />❑Balloon Rider ❑ Planned Unit Development Rider ❑Other(a)[apecify]
<br />❑1 -4 Family Rider U Biwookly Payment Rider
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules antl 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 tans includes, but is not limited to, paint -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 wmpensation, settlement, award of damages, or proceeds paid by any third party
<br />�over than Insurance proceeds paid under the coverages described In Section 6) for: (i) damage to, or destruction of, the Property;
<br />ii)) condemnation or other taking of all or any Pad of the Property; (ill) conveyance in lieu of condemnation; or (IV) misrepresentations
<br />o(, or omissions as to, the value and /or condRlon of the Properly.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment oi, or default on, the Loan.
<br />(0) "Periodic Paymeet" 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 />(p) "RESPA" means the Real Estate Selliemenl Procedures Act (12 U.S C. § 2601 el seq.) and ds implementing regulation,
<br />Regulation % (24 C.F.R. Part 3500), as they might bo amended from time to time, or any adtlltlonal or successor legisla n
<br />regulallon that governs the same sublect matlar. As used in this Security Instrument, "RESPA" refers 10 all requirem
<br />ents nt. and
<br />residdions that arc Imposed in regard to a'Yederally related morlgege Icon" oven if the Lcan dons not quality 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 Borrower's obligations under the Note ancifor this Security Instrument.
<br />AFTER RECORDING RETURN TO:
<br />PLATTE VALLEY STATE BANK A TRUST CO
<br />MORTGAGE LOAN OE PA R T ME NT
<br />2223 SECOND AVE
<br />K EA RN EY, NE 68847
<br />NEBPABKA-9UpbF IN- Fennle MaYF 1"Mw UNIFORMINSTRUMENT Porm 302E L01 (me" t N 7 4,
<br />3028 NE DOT IMI POI
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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 Seellons 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 N 0 V E M B E R 4 2 0 0 4 together with all Riders to this
<br />document.
<br />IFE AND HUS BANG
<br />(B) "Borrower" is
<br />HEATHER J. HDL KMAN AND BRENT A. Ho CKMAN. AS W
<br />orcowor Ls a tru or un er Is ecunty nsirumen
<br />._. ... n, "T.c vni I Fv <TATF RANK A TRUST CD Lender is
<br />N F R R A S K A en e s a rasa is en er Is t B ene c ary un er
<br />this Security Instrument.
<br />(D) "Trustee "is FIRST NAT T O NAL BANK OF OMAHA
<br />OOfF STR ET CTOP 6 80 OMAHA NF 68197 -6300
<br />T) "Note" means the promissory note signed
<br />mower owes Lender 1.
<br />The Note states that
<br />orrower as proms o pay t Is a In regu ar eno c aymams and to pay the debt in full not later than
<br />DECEMBER 1 rg
<br />(F) "Properly" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(0) "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 />Borrower (check box as applicable]:
<br />CAElustable Rate Rider ❑Condominium Rider USecond Home Rider
<br />❑Balloon Rider ❑ Planned Unit Development Rider ❑Other(a)[apecify]
<br />❑1 -4 Family Rider U Biwookly Payment Rider
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules antl 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 tans includes, but is not limited to, paint -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 wmpensation, settlement, award of damages, or proceeds paid by any third party
<br />�over than Insurance proceeds paid under the coverages described In Section 6) for: (i) damage to, or destruction of, the Property;
<br />ii)) condemnation or other taking of all or any Pad of the Property; (ill) conveyance in lieu of condemnation; or (IV) misrepresentations
<br />o(, or omissions as to, the value and /or condRlon of the Properly.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment oi, or default on, the Loan.
<br />(0) "Periodic Paymeet" 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 />(p) "RESPA" means the Real Estate Selliemenl Procedures Act (12 U.S C. § 2601 el seq.) and ds implementing regulation,
<br />Regulation % (24 C.F.R. Part 3500), as they might bo amended from time to time, or any adtlltlonal or successor legisla n
<br />regulallon that governs the same sublect matlar. As used in this Security Instrument, "RESPA" refers 10 all requirem
<br />ents nt. and
<br />residdions that arc Imposed in regard to a'Yederally related morlgege Icon" oven if the Lcan dons not quality 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 Borrower's obligations under the Note ancifor this Security Instrument.
<br />AFTER RECORDING RETURN TO:
<br />PLATTE VALLEY STATE BANK A TRUST CO
<br />MORTGAGE LOAN OE PA R T ME NT
<br />2223 SECOND AVE
<br />K EA RN EY, NE 68847
<br />NEBPABKA-9UpbF IN- Fennle MaYF 1"Mw UNIFORMINSTRUMENT Porm 302E L01 (me" t N 7 4,
<br />3028 NE DOT IMI POI
<br />
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