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r z D n cn m C (rn' _ p T n m m p M Cld c7 CD o Z3 r rn f D F co x p 3 D CD co Cn 01 r-11 7 Z v O s _ n [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated November 15th 2004 together with all Riders to this document. (B) "Borrower" is NEFTALI A. SANDOVAL and SANDRA M. SANDOVAL , Husband and Wife Borrower is the trustor under this Security Instrument. (C) "Lender" is KEARNEY STATE BANK AND TRUST COMPANY . Lender is a Corporation organized and existing under the laws of The State of Nebraska Lender's address is 3015 Second Avenue Kearney, NE 68847_ Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST NATIONAL BANK OF OMAHA 1620 Dodge Street Omaha, Nebraska 681 . (E) "Note" means the promissory note signed by Borrower and dated November 15th - 2004 The Note states that Borrower owes Lender Ninety Five Thousand and 00/100 Dollars (U.S. $ 95,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2034 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Balloon Rider ❑ 1 -4 Family Rider ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider ❑ Second Home Rider ❑ Other(s) [specify] _ (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. NEBRASKA - single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page 1 of -g ppges) F165851MG (11 /00) 6:+0'.