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<br />[Space Above This Line but Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />Words used in multiple sections ofthis document are delincd below and other words are defined in Sections 3,11, 13, 18,20
<br />and 21. 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;, dated_ December 20th 2002 togetherwith
<br />all Riders to this document.
<br />HD `Borrower" is Steven C Kisner and Jeffrey R Ochs, each a single person _
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is United Nebraska Bank _ . Lender
<br />is a Corporation organized and existiaa anJcr the laws of the State of Nebraska
<br />Lender's address is 700 North Webb Road Grand Island, NE 68803
<br />Lender is the beneficiary under this Security lnstrumcm-
<br />(D) "Trustee" is United Nebraska Bank 700 North N% ebb Road Grand Island, NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated _December 20th 2002 . The Note
<br />states that Borrower owes Lender One Hundred Ei-hj y fight Thousand Eiebt Hundred and 110 1100
<br />Dollar,(U.S. $18880(I00 )plusinterest Borrowerhas promised
<br />to pay this debt in regular Periodic Payments and m pay the debt in full not later than January 1 2023
<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 uac est. any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument. plus Interest
<br />HU ` Riders" means all Riders to this Security Lnstrumem that are executed by Bormwer.'1'he following Riders are to be
<br />executed by Borrower Icheck box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Condominlmn Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />1-4 Family Rider
<br />❑
<br />Biweell, Payment Rider
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<br />[Space Above This Line but Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />Words used in multiple sections ofthis document are delincd below and other words are defined in Sections 3,11, 13, 18,20
<br />and 21. 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;, dated_ December 20th 2002 togetherwith
<br />all Riders to this document.
<br />HD `Borrower" is Steven C Kisner and Jeffrey R Ochs, each a single person _
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is United Nebraska Bank _ . Lender
<br />is a Corporation organized and existiaa anJcr the laws of the State of Nebraska
<br />Lender's address is 700 North Webb Road Grand Island, NE 68803
<br />Lender is the beneficiary under this Security lnstrumcm-
<br />(D) "Trustee" is United Nebraska Bank 700 North N% ebb Road Grand Island, NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated _December 20th 2002 . The Note
<br />states that Borrower owes Lender One Hundred Ei-hj y fight Thousand Eiebt Hundred and 110 1100
<br />Dollar,(U.S. $18880(I00 )plusinterest Borrowerhas promised
<br />to pay this debt in regular Periodic Payments and m pay the debt in full not later than January 1 2023
<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 uac est. any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument. plus Interest
<br />HU ` Riders" means all Riders to this Security Lnstrumem that are executed by Bormwer.'1'he following Riders are to be
<br />executed by Borrower Icheck box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Condominlmn Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider
<br />❑
<br />1-4 Family Rider
<br />❑
<br />Biweell, Payment Rider
<br />❑ Second Home Rider
<br />❑ Other(s) [specify]
<br />(1) "Applicable Law" means all controlling appllmbla Iedcrul, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of lac l us sacl I as at I 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 0i lands other than a transaction originated by check. drak, or
<br />sintilar paper instrument, which is initiated through an electronic terminal. telephonic instrument, computer, or magnetic tape
<br />sons toorder,instruct, or authorize a financial tnstitumm �ti delnuor credit an account. Such term includes, butisnothmned
<br />to, paint -of -sale transfers, automated teller machine transactions transfers initiated by telephone, wire transfers, and
<br />automated clearinghouse transfers.
<br />(W "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 coveragcs described in Section 5) for: (i) damage m, or destruction of,
<br />the Property; (ii) 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 insuranw protccflng lender against the nonpayment of or default on, the Loan.
<br />(0) `Periodic Payment' means the regularly schalulcd amounrrlue for(;) principal and interest under the Note. plus (11)
<br />any amounts under Section 3 of this Security Into mnem-
<br />(P) "RESPA" means the Real Estate Settlement Procedcl ea Act( 12 U.S.C. §2601 et seq.) and as implementing regulation,
<br />Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation
<br />NF,IIRASKA— Single Family— Fannialwaditialdie Mac❑NIFORA I IN S'I(WMIN'r Fnrm3028 1 /01 (Vnyrl , /8Va..'..
<br />9754 . CV tI al.) I62YD7
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