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<br />[Space Above This Line For Recording Data]
<br />
<br />DEED OF TRUST
<br />
<br />DEFINITIONS
<br />
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<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 />
<br />(B) "Borrower" is
<br />
<br />TIMOTHY L MCMULLEN, A SINGLE PERSON
<br />
<br />(A) "Security Instrument" means this document, which is dated 0 C T 0 B E R 2 4, 2 0 0 5 ,together with all Riders to this
<br />document.
<br />
<br />(C) "lender" is
<br />NEBRASKA
<br />
<br />Borrower IS the trustor under this Security Instrument.
<br />V ALL E Y S TAT E BAN K & T R U S T C 0 lender is a
<br />organized and existing under the laws of THE STATE OF
<br />lender's address is ???3 SFCOND AVE KEARNEY. NE 68847
<br />lender is the beneficiary under
<br />
<br />PLATTE
<br />
<br />this Security Instrument.
<br />
<br />(D) "Trustee" is U S BAN K T R U S T COM PAN Y, N A T ION A LAS S 0 CIA T ION
<br />111 S W F 1FT H A V E N U E. P 0 R T I AND 0 R 9 7 ? 0 4
<br />
<br />-
<br />(E) "Note" means the promissory note signed by Borrower and dated 0 C T 0 B E R 24. 20 0 5 . The Note states that
<br />Borrower owes lender F 1FT Y N I NET H 0 USA NON ] N E HUN 0 RED AND NO/ 1 0 0
<br />Dollars (U.S. $ 59. 9 0 0 _ 0 0 ) plus interest.
<br />Borrower has promised to pay thiS debt In regular Periodic Payments and to pay the debt In full not later than
<br />NOVEMBER 1. 2035
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />
<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 this Security Instrument, plus interest.
<br />
<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 />
<br />o Adjustable Rate Rider
<br />o Balloon Rider
<br />01-4 Family Rider
<br />
<br />o Condominium Rider
<br />
<br />o Second Home Rider
<br />
<br />iJ Other(s) [specify]
<br />
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />EXHIBIT E
<br />MORTGAGE ADDENDUM
<br />
<br />(I) "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 />
<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 />
<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, point-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 />
<br />~M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />oHler than insurance proceeds paid under the coverages described in Section 5) for: (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 />
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan
<br />
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, piUS (ii) any
<br />amounts under Section 3 of this Security Instrument
<br />
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 use. S 2601 et seq) and its implementing regulation,
<br />Regulation X (24 CFR Part 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 />
<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 />
<br />AFTER RECORDING RETURN TO:
<br />PLATTE VALLEY STATE BANK & TRUST CO
<br />MORTGAGE LOAN DEPARTMENT
<br />222 3 SEe 0 N D A V E
<br />K EAR N E Y, N E 6 8 8 4 7
<br />
<br />NEBRASKA--Slngle FBmily-F.mnle MeelFreddie Mec UNIFORM INSTRUMENT
<br />3028 NE DOT 1/01 POl
<br />
<br />Form 3028 1/01 (pege 1 of 7 pBges) ....--;:;;--
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