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<br /> ~ 10 ("} ~ <br /> ~ X ( , <br /> ,.. c: ~ <br /> ~ n z ~ \ <br />N :::t: ~ C <br />s m ~ <br />s I n CI) <br />(J1 "" :J: <br />...... <br />s <br />-..,J <br />w <br />(J') <br /> <br /> <br /> <br /> <br />\fter Recording Return To: <br /> <br />V.S. Bank Home Mortgage <br />Attn: Final Documentation Dept. <br />221 West Cherry Street <br />Nevada, Missouri 64772 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />DEFINITIONS <br /> <br /> ,......." f <br /> i.-;-:':,:::Ji 0 (jJ <br /> (':~;'J <br /> "- <:.J'O 0 .-.1 C=> <br /> ,.-' c.:::J c.: :r.,. r0 <br />:.0'1 ("', " ~.:-~ Z -1 <br />(-' ry <br />) '''1 -~ -I C) <br />~.~ -< or <br /> ~'" . <br />C::~:; N 0 .,.'~ C) <br />-T1 <Xl ''1 3" <br /> ,- en <br />i"n -tJ ~.;."" f--' g <br />r "ri ::3 r- ,;".! <br />C.J ,'. C) <br />r' r >- <br />tn t, (j) i <br /> Q W ;;:-:; -..J <br /> (' :l>- G.) <br /> CJ1 ---- ---- <br /> CD GIl en 2 <br /> Gn 0 <br /> <br />(~';'- <br />Loan Number 7810449973 c.J'" <br />MIN Number 100021278104499731 ';J\, <br />t, <br /> <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated OCTOBER 28, 2005, together with all <br />Riders to this document. <br />(B) "Borrower" is DEREK M. LEDGERWOOD and JODI S. SCHEER, BOTH SINGLE PERSONS. <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is ACCEPTANCE FIRST MORTGAGE, INC. Lender is a CORPORATION organized and <br />existing under the laws of NEBRASKA. Lender's address is 710 NORTH DIERS AVENUE, SUITE N , <br />GRAND ISLAND, NEBRASKA 68803. <br />(D) "Trustee" is nCOR TITLE INSURANCE COHPANY <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS 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 <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 4850I~2026, tel. (888) 679-MERS. <br />(Ii) "Note" means the promissory note signed by Borrower and dated OCTOBER 28,2005. The Note states <br />that Borrower owes Lender EIGHTY -FOUR THOUSAND AND OO/IOOths Dollars (V.S.$84,OOO.00) plus <br />interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not <br />later than NOVEMBER I, 2035. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. " <br /> <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br /> <br />Form 3028 1/01 (page 1 of 13 pages) <br />