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DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated APRIL 22, 2005, together with all Riders to this document. (B) "Borrower" is TODD A. SPAULDING, A SINGLE PERSON. Borrower is the trustor under this Security Instrument. (C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. (D) "Trustee" is TICOR TITLE INSURANCE COMPANY. (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MFRS. (F) "Note" means the promissory note signed by Borrower and dated APRIL 22, 2005. The Note states that Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100ths Dollars (U.S.$74,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 22, 2035. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page 1 of 13 pages) 1 111111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 1111 1111 w M N M I" *"` rri -s � e-t (71 00 .. ry Cn c, �, Ca Crl rT1 C7 r- r U C-D r n CID C-3 U7 � C7) .fter Recording Return To: Cn «� c c z Decision One Mortgage Company, LLC "' Q 6060 J.A. Jones Drive, Suite 1000 Charlotte, North Carolina 28287 [Space Above This Line For Recording Data] Loan Number 2280050341940 MIN: 100077910003699291 DEED OF TRUST DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated APRIL 22, 2005, together with all Riders to this document. (B) "Borrower" is TODD A. SPAULDING, A SINGLE PERSON. Borrower is the trustor under this Security Instrument. (C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. (D) "Trustee" is TICOR TITLE INSURANCE COMPANY. (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MFRS. (F) "Note" means the promissory note signed by Borrower and dated APRIL 22, 2005. The Note states that Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100ths Dollars (U.S.$74,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 22, 2035. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (page 1 of 13 pages) 1 111111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 11111 1111 1111