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Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS rI I 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 JANUARY 18, 2002 , together with all Riders to this document. (B) "Borrower" is STEPHEN J BAUER, ELIZABETH A BAUER, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is IBM MID AMERICA EMPLOYEES FEDERAL CREDIT UNION. Lender is a CORPORATION organized and existing under the laws of THE UNITED STATES OF AMERICA . Lender's address is 4001 WEST RIVER PARKWAY ROCHESTER, MINNESOTA 55901 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is IBM MID AMERICA EMPLOYEES FEDERAL CREDIT UNION (E) "Note" means the promissory note signed by Borrower and dated JANUARY 18, 2002 . The Note states that Borrower owes Lender EIGHTY THOUSAND AND N01100 Dollars (U.S. $ 80,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 01, 2032 (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 ❑ Condominium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider 1 -4 Family Rider ❑ Biweekly Payment Rider NEBRASKA — Single Family — Fannie Mac /Freddie Mac UNIFORi\1 INSTRUMENT ALE NE40/NE302801 2/01 F0 Second Home Rider ❑ Other(s) [specify] _ Form 3028 1/01 (page I of l4 pages) LOAN ID: 00967827 Int 11 x'9"1 tea q CD 9= ►� �a H C3 .i e�i 0 a 0 c; ( (� f •� N o —U'i o n n x rn rn CD �.e S m D N cn C, ©a o o n CD 1 {�� x = CD , CD 00 rn '17 CD U M r— X O � C:) Co N Cr) i ID C rl CAD Cn G,w3 Utt Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS rI I 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 JANUARY 18, 2002 , together with all Riders to this document. (B) "Borrower" is STEPHEN J BAUER, ELIZABETH A BAUER, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is IBM MID AMERICA EMPLOYEES FEDERAL CREDIT UNION. Lender is a CORPORATION organized and existing under the laws of THE UNITED STATES OF AMERICA . Lender's address is 4001 WEST RIVER PARKWAY ROCHESTER, MINNESOTA 55901 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is IBM MID AMERICA EMPLOYEES FEDERAL CREDIT UNION (E) "Note" means the promissory note signed by Borrower and dated JANUARY 18, 2002 . The Note states that Borrower owes Lender EIGHTY THOUSAND AND N01100 Dollars (U.S. $ 80,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 01, 2032 (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 ❑ Condominium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider 1 -4 Family Rider ❑ Biweekly Payment Rider NEBRASKA — Single Family — Fannie Mac /Freddie Mac UNIFORi\1 INSTRUMENT ALE NE40/NE302801 2/01 F0 Second Home Rider ❑ Other(s) [specify] _ Form 3028 1/01 (page I of l4 pages) LOAN ID: 00967827 Int 11 x'9"1 tea q CD 9= ►� �a H C3 .i e�i 0 a 0