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av n (l R 75 <br />n S rrM CC ls �� r N <br />r-r Q <br />Za 3r <br />rm N ro y <br />CJl <br />Cni <br />d <br />B � nr� r (f) _Z: � <br />_ J n w >y a7 <br />-epee Retili; To <br />FREEDOM LENDING LLC 200502460 <br />10822 OLD MILL ROAD, SUITE 7 <br />OMAHA, NEBRASKA 68154 <br />Loan Number: 0150303062 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />MIN:1001865- 0150303062 -0 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />13, 18, 20 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 is dated MARCH 15 , 2 0 0 5 together <br />with all Riders to this document. <br />(B) "Borrower" is MARK A. FLETCHER AND CHERYL ANN FLETCHER AS JOINT <br />TENANTS WITH RIGHT OF SURVIVORSHIP <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is FREEDOM LENDING LLC <br />Lender is a LIMITED LIABILITY COMPANY organized <br />and existing under the laws of NEBRASKA <br />Lender's address is 10822 OLD MILL ROAD, SUITE 7, OMAHA, NEBRASKA 68154 <br />(D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY <br />1055 N. 115 ST. STE. 300, OMAHA, NEBRASKA 68154 <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns, MERS is the beneficiary under this Security <br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number <br />of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated MARCH 15 , 2 0 0 5 <br />The Note states that Borrower owes Lender ONE HUNDRED SEVENTEEN THOUSAND AND <br />00/100 Dollars (U.S. $ 117, 000. 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 />APRIL 1, 2035 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property -" <br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under <br />the Note, and all sums due under this Security Instrument, plus interest. <br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are <br />to be executed by Borrower [check box as applicable] : <br />® <br />Adjustable Rate Rider <br />❑ <br />Condominium Rider <br />❑ Second Home Rider <br />❑ <br />Balloon Rider <br />❑ <br />Planned Unit Development Rider <br />® Other(s) [specify] <br />❑ <br />1 -4 Family Rider <br />❑ <br />Biweekly Payment Rider <br />PREPAYMENT RIDER TO <br />SECURITY INST <br />U) "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 - appealable judicial <br />opinions. <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 1 of 10 <br />14 <br />D0CMagiCC'V'CaM&,5 800 - 649.7362 <br />wwm docmagic. com <br />