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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 Sections 3,11, 13, 18, 20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Seen rity Instrument" means this document, which is dated April 22nd 2003 ,togetherwith
<br />all Riders to this document.
<br />(B) `Borrower" is Norman L Nictfeldt and Charlene M Nictfeldt, as husband and wife
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is United Nebraska Bank . Lender
<br />is a Corporation organized mid existing under the laws of the State of Nebraska
<br />Lcndcr's address is 700 North Webb Road Grand Island, NE 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is United Nebraska Bank 700 North Webb Road Grand Island, NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated April 22nd 2003 The Nate
<br />states that Borrower owes I ender Forty Two Thousand One Hundred and 00 1100
<br />Dollars (U.S.$42100.00 )plus inter est. Borrowerhas promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2018
<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 />(H) " Riders" means all Riders to this Security Instrument (hat we executed by Borrower. The fallowing Riders are to be
<br />executed by Burrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify]
<br />Q 1 -4 Family Rider ❑ Biweekly Payment Rider
<br />(I) "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, nun- appcalablejudicial opinions.
<br />(.) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and othercharges 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
<br />similar paper instrument, which is initialed through an electronic terminal, telephonic instrument, computer, or magnetic tape
<br />so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited
<br />to, point- of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and
<br />automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that we described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award ofdamages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for. (i) damage m, or destruction of
<br />the Property; (i) condemnation or other taking ofall or any part ofthe Property; (iii) conveyance in lieu ofcondernnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition ofthe 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 principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 ofthis Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Pat 3500), as they might be amended from time to tune, or any additional or successor legislation
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<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3,11, 13, 18, 20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Seen rity Instrument" means this document, which is dated April 22nd 2003 ,togetherwith
<br />all Riders to this document.
<br />(B) `Borrower" is Norman L Nictfeldt and Charlene M Nictfeldt, as husband and wife
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is United Nebraska Bank . Lender
<br />is a Corporation organized mid existing under the laws of the State of Nebraska
<br />Lcndcr's address is 700 North Webb Road Grand Island, NE 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is United Nebraska Bank 700 North Webb Road Grand Island, NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated April 22nd 2003 The Nate
<br />states that Borrower owes I ender Forty Two Thousand One Hundred and 00 1100
<br />Dollars (U.S.$42100.00 )plus inter est. Borrowerhas promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2018
<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 />(H) " Riders" means all Riders to this Security Instrument (hat we executed by Borrower. The fallowing Riders are to be
<br />executed by Burrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify]
<br />Q 1 -4 Family Rider ❑ Biweekly Payment Rider
<br />(I) "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, nun- appcalablejudicial opinions.
<br />(.) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and othercharges 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
<br />similar paper instrument, which is initialed through an electronic terminal, telephonic instrument, computer, or magnetic tape
<br />so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited
<br />to, point- of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and
<br />automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that we described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award ofdamages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for. (i) damage m, or destruction of
<br />the Property; (i) condemnation or other taking ofall or any part ofthe Property; (iii) conveyance in lieu ofcondernnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition ofthe 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 principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 ofthis Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Pat 3500), as they might be amended from time to tune, or any additional or successor legislation
<br />NEBRASKA - Single Family - Fannie MSe/Freidle Mac UNIFORM INSTRUMENT Fwm3028 1/01 (pageloj$pages)
<br />rosacv(um) 16s662s
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