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(E) "Note" means the promissory note signed by Borrower and dated November 22nd 2002 . The Note
<br />states that Borrower owes Leader Fifty Eiaht Thousand Six Hundred Fifty and 00 /100
<br />Dollars (U.S. $58,650.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2032
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Load' 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 that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />•
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider
<br />•
<br />T 2 \\J
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />M h Z
<br />❑
<br />Biweekly Payment Rider
<br />D
<br />re
<br />n
<br />3
<br />r n
<br />W
<br />to
<br />N �
<br />N
<br />to
<br />d
<br />200213223
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE
<br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS
<br />OR ITS AUTHORIZED AGENT.
<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 2L 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 November 22nd 2002 , togetherwith
<br />all Riders to this document.
<br />(B) "Borrower" is David E Haynes and Lynn A Haynes, 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 and existing under the laws of the State of Nebraska
<br />Lender's address is 700 North Webb Road Grand Island NE 68803
<br />a „F
<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 November 22nd 2002 . The Note
<br />states that Borrower owes Leader Fifty Eiaht Thousand Six Hundred Fifty and 00 /100
<br />Dollars (U.S. $58,650.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2032
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Load' 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 that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />•
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider
<br />•
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<br />❑ Second Home Rider
<br />[50 Others) [specify] VA Riders
<br />(1) "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, non- appealablejudicial opinions.
<br />(d) "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 initiated through an electronic terminal, telephonic instrument, computer, or magtetictape
<br />so as to order, instruct, or authorize a financial institution to debit r credit an account Such term includes, but is not limited
<br />to, paint -ot -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 are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of,
<br />the Property; hi) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations 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 principal and interest under the Note, plus (h)
<br />any amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act if U.S.C. §2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.A. Part 3500), as they might be amended from time to time, or any additional or successor legislation
<br />NEBRASKA - Single Force - FamorMae, Icddie Mac UNIFORM INSTRUMENT Form 3028 1101 (page / f$pagea)
<br />9754 CV nso) 1615913
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