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(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 Note, and
<br />all sums due under 'his SP.curiN 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 />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Ricer
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Othar(s) lapecifyl
<br />❑ 1 -4 Family Rider n Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules and 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 term 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 3
<br />(M 'Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(over than insurance proceeds paid under the coverages described in Section 5) far: (i) damage to, or destruction of, the Property;
<br />(ii) condemnation or other taking of all or any Part of the Property; (III) conveyance in lieu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and/or condition of the 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 (i) principal and interest under the Note, plus III) any
<br />amounts under Section 3 of this Security Instrument.
<br />((P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 at seq.) and its implementing regulation,
<br />f9egulation X (24 C.F.R. Pad 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA' refers to all requirements and
<br />restrictions that are imposed in regard to a "federally related mortgage loan' even If the Loan does not qualify as a'federally related
<br />mortgage loan" under RESPA.
<br />(0) "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 and /or this Security Instrument.
<br />AFTER RECORDING RETURN TO:
<br />FIRST NATIONAL DANK OF OMAHA
<br />MORTGAGE LOAN D F P A R I M E N T
<br />1620 DODGE STREET STOP 4300
<br />OMAHA, NE 66197 -4300
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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 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 AUGUST 2 8 . 2 0 0 2 , together with all Riders to this
<br />document.
<br />(B) "Borrower" is J E R A L D 5I N D T AND I. AIIR I K. SINOT, AS HUSBAND AND W I F F
<br />Borrower Is the truster under this Security Instrument.
<br />(C) "Lender" is FIRST NATIONAL DANK 0 DMAHA .Lender is
<br />N A T 1 0 N A B A N K I N G A S S D C I A T I D N organize an existing under the laws o THE UNITED STATES
<br />O F A M F R I C A Lender'9 a less IS 1fi90 r21R;F S NFF STOP 900 ZAHA NF 68197 -4100 —
<br />ender Is the beneficiary under
<br />this Security Instrument.
<br />(D) "Trustee" is FIRST NATIONAL BANK OF OMAHA
<br />2E) "Note" means the promissory note signed by Borrower and dated AUGUST 28 2 0 0 2 . The Note states that
<br />orrower owes Lender ONE H II N D R E D THIRTY F I V 1 0 0
<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 Note, and
<br />all sums due under 'his SP.curiN 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 />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Ricer
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Othar(s) lapecifyl
<br />❑ 1 -4 Family Rider n Biweekly Payment Rider
<br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules and 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 term 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 3
<br />(M 'Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(over than insurance proceeds paid under the coverages described in Section 5) far: (i) damage to, or destruction of, the Property;
<br />(ii) condemnation or other taking of all or any Part of the Property; (III) conveyance in lieu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and/or condition of the 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 (i) principal and interest under the Note, plus III) any
<br />amounts under Section 3 of this Security Instrument.
<br />((P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 at seq.) and its implementing regulation,
<br />f9egulation X (24 C.F.R. Pad 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA' refers to all requirements and
<br />restrictions that are imposed in regard to a "federally related mortgage loan' even If the Loan does not qualify as a'federally related
<br />mortgage loan" under RESPA.
<br />(0) "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 and /or this Security Instrument.
<br />AFTER RECORDING RETURN TO:
<br />FIRST NATIONAL DANK OF OMAHA
<br />MORTGAGE LOAN D F P A R I M E N T
<br />1620 DODGE STREET STOP 4300
<br />OMAHA, NE 66197 -4300
<br />NEB'U9G- Single Family-FnTe MaWFe a Mac UNIFORM INSTRUMENT Fmm300IIM4MIpa 1 M) pqF)
<br />308 NE DOT 1/m PG1 - "W't`N' �� � F:r
<br />YYY Y�� —_a.�
<br />
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