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tecording Return To:
<br />AD MORTGAGE DECISIONS CORPORATION
<br />11320 86TH AVENUE NORTH
<br />MAPLE GROVE, MINNESOTA 55369
<br />Loan Number: 641136338
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />PT 7
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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,
<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 APRIL 1, 2005 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is JOSH C OLBRICHT AND JENNIFER OLBRICHT, HUSBAND AND
<br />WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is SOUND MORTGAGE DECISIONS CORPORATION
<br />Lender is a MINNESOTA CORPORATION organized
<br />and existing under the laws of MINNESOTA
<br />Lender's address is 11320 86TH AVENUE NORTH, MAPLE GROVE, MINNESOTA
<br />55369
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is HBARTf, f2 �raVtiS Y1 i O►�
<br />205 S CEDAR, GRAND ISLAND, NEBRASKA 68801
<br />(E) "Note" means the promissory note signed by Borrower and dated APRIL 1, 2005
<br />The Note states that Borrower owes Lender ONE HUNDRED FIFTEEN THOUSAND NINE
<br />HUNDRED AND 00/100 Dollars (U.S. $ 115, 900 .0 0 )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
<br />than APRIL 1, 2035
<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 interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(13) "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 ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1-4 Family Rider
<br />❑
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<br />tecording Return To:
<br />AD MORTGAGE DECISIONS CORPORATION
<br />11320 86TH AVENUE NORTH
<br />MAPLE GROVE, MINNESOTA 55369
<br />Loan Number: 641136338
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />PT 7
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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,
<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 APRIL 1, 2005 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is JOSH C OLBRICHT AND JENNIFER OLBRICHT, HUSBAND AND
<br />WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is SOUND MORTGAGE DECISIONS CORPORATION
<br />Lender is a MINNESOTA CORPORATION organized
<br />and existing under the laws of MINNESOTA
<br />Lender's address is 11320 86TH AVENUE NORTH, MAPLE GROVE, MINNESOTA
<br />55369
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is HBARTf, f2 �raVtiS Y1 i O►�
<br />205 S CEDAR, GRAND ISLAND, NEBRASKA 68801
<br />(E) "Note" means the promissory note signed by Borrower and dated APRIL 1, 2005
<br />The Note states that Borrower owes Lender ONE HUNDRED FIFTEEN THOUSAND NINE
<br />HUNDRED AND 00/100 Dollars (U.S. $ 115, 900 .0 0 )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
<br />than APRIL 1, 2035
<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 interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(13) "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 ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1-4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<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 - appealable judicial
<br />opinions.
<br />(,p "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(I) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />;pWW 800-649 -1361
<br />NEBRASKA - -Single Family -- Fannie Mae /Freddie Mac
<br />UNIFORM 1l of 1 INSTRUMENT ww. w doomaylo.com
<br />Form 3028 1101
<br />4~, 7
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