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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 20, 2002, together with all Riders to this document. (B) "Borrower" is BENJAMIN J. SHAFER, A SINGLE PERSON. Borrower is the trustor under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.. Lender is a CORPORATION organized and existing under the laws of COLORADO. Lender's address is 3300 E. 1ST AVENUE, SUITE 460, DENVER, COLORADO 80206. (D) "Trustee" is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated NOVEMBER 20, 2002. The Note states that Borrower owes Lender SIXTY -SIX THOUSAND EIGHT HUNDRED SEVENTY -FIVE AND 00 /100ths Dollars (U.S.$66,875.00) 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, 2032. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." Borrower Initials NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/41 (page 1 of 13 pages) m _ '� t ` ✓ Pr1 1 n CJ3 CD Z a rn �} rn C o pia pd� N O Ti O r F—+ N, o S rn r 1> N After Recording Return To: can �i C�J ;:K cn u-I o CHERRY CREEK MORTGAGE CO., INC. 200212559 N Cn co 3300 E. 1ST AVENUE, SUITE 460 c» DENVER, COLORADO 80206 [Space Above This Line For Recording Data] Loan Number 16600072 MERS Number 100030200166000727 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 20, 2002, together with all Riders to this document. (B) "Borrower" is BENJAMIN J. SHAFER, A SINGLE PERSON. Borrower is the trustor under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.. Lender is a CORPORATION organized and existing under the laws of COLORADO. Lender's address is 3300 E. 1ST AVENUE, SUITE 460, DENVER, COLORADO 80206. (D) "Trustee" is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated NOVEMBER 20, 2002. The Note states that Borrower owes Lender SIXTY -SIX THOUSAND EIGHT HUNDRED SEVENTY -FIVE AND 00 /100ths Dollars (U.S.$66,875.00) 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, 2032. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." Borrower Initials NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/41 (page 1 of 13 pages)