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4 2 D y n' jj1 W C) i CJ a 9 v 1 a,. N K° fl [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 antl 21. Certan rules regarding the usage of words used n this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated January 251h 2003 , together with all Riders to this document. (B) "Borrower" is James A. Sich III and Vickie L Sich Husband and Wife Borrower is the truster under this Security Instrument. (C) "Lender" Is Home Federal Savings and Loan Association of Nebraska,_. . Lender Is a Corporation organbed and existing under the laws of The United States of America . Lender's address Is _ 201 West 7th Street Lexington NE 68850 _ Lender is the beneficiary untler this Security Instrument (D) 'Trustee" is _ Home Federal Savings and Loan Association of Nebraska (E) "Note" means the promissory note signed by Borrower and dated January 25th 1 2003 . The Note states that Borrower owes Lender _ Ninety Six Thousand and 001100 Dollars (U.S. $_96 000.00 ) plus interest. Bonower has promised to pay this debt n regular Periodic Payments and to pay the debt in full not later than February 1, 2018_ (F) "Property" means the property that Is described below under the heading "Transfer of Rights in the Properly." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges do. under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that ere executed by Borrower. The following Riders are to be executed by Borrower [check box as applbeblej: ❑ Adjustable Pate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify) _ ❑ 1 -4 Family Rider ❑ Biweekly Payment Ride, _ -- (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative Jules 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 ell dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organlration. NEBPASKA F>mily- Fannie Mee/Fretltlle Mae UNIFORM INSTRUMENT Form 30?`r8 /01 s. 1 0l o FI4ill LMn (I Vie) ` 1s9Ctl &]