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<br />RE- RECORDED
<br />200213652
<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 2 L Certain rules regarding the usage of well used in this document are also provided in Section 16.
<br />(A) "Security Instrument' means this document, which is dated Nov ember 22nd 2002 — ,together with
<br />all Riders to this document.
<br />(B) `Borrower” is David F. 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 Stale of Nebraska
<br />Lender's address is 700 North Webb Road Grand Island, NE 68803 _
<br />lender is Ole beneficiary under this Security Instrument.
<br />(D) "Trustee" ix 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 Lender Fifty F' ht Tharmoand Six HundEcil Fifty and 00/100 — _
<br />Dollars (U.S. $58,650.00 ) plusinterest Bonowerhaspromised
<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 orRighe, in 01e Plnperty. ",
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due tinder the
<br />Nom, and all sums due under this Security Instrument, plus interest.
<br />(11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The rolluwing Riders are Lobe
<br />executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />M
<br />n
<br />lki
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />1 -4 Family Rider
<br />❑
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<br />200213223
<br />[Space Above
<br />'I his Line
<br />For Reuwding
<br />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 2 L Certain rules regarding the usage of well used in this document are also provided in Section 16.
<br />(A) "Security Instrument' means this document, which is dated Nov ember 22nd 2002 — ,together with
<br />all Riders to this document.
<br />(B) `Borrower” is David F. 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 Stale of Nebraska
<br />Lender's address is 700 North Webb Road Grand Island, NE 68803 _
<br />lender is Ole beneficiary under this Security Instrument.
<br />(D) "Trustee" ix 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 Lender Fifty F' ht Tharmoand Six HundEcil Fifty and 00/100 — _
<br />Dollars (U.S. $58,650.00 ) plusinterest Bonowerhaspromised
<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 orRighe, in 01e Plnperty. ",
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due tinder the
<br />Nom, and all sums due under this Security Instrument, plus interest.
<br />(11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The rolluwing Riders are Lobe
<br />executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Conlominiurn Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biwcckly Payment Rider
<br />❑ Second Home Rider
<br />Other(s) [specify] VA Riders
<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, non-appealablejudicial opinions.
<br />61) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges mature
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(1) `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 magneticlap,
<br />so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is nothra ted
<br />to, point- of-sale transfers, automated taller 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: (1) damage to, or destruction of,
<br />the Property, (it) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation: or
<br />(iv) misrepresentations ot, 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 tile. egulte ly scheduled amount due for it) principal and interest under the Near plus (ii)
<br />any amounts tinder Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Lstste Settlement Procedures Act (12 U.S.C. §2601 at seq.) and its implementing regulation.
<br />Regulation X (24 CPR. Part 3500), as they might be zmendedfrom time To time, or any additional of successor legislation
<br />NEHKA51U-- Sing1e Ymnily— Fannie Mae /Freddie Al., I: NIFORM ESSTRl.'MENT Furm3028 1/01 (page l a)8pape0
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