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<br />WHEN RECORDED MAIL TO:
<br />Adams Bank & Trust
<br />Ogallala
<br />315 North Spruce
<br />P.O. Box 720
<br />Ogallala, NE 69153-0720
<br />
<br />[Space Above This Line For Recording Data]
<br />
<br />DEED OF TRUST
<br />
<br />'1/. SO
<br />
<br />DEFINITIONS
<br />
<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. Certain
<br />rules regarding the usage of words used in this document are also provided in Section 16.
<br />
<br />(A) "Security Instrument" means this document, which is dated June 29, 2006, together with all Riders to this document.
<br />(B) "Borrower" is KARMA L. KRAJEWSKI, whose address is 721 S BLAINE ST, GRAND ISLAND, NE 68803-6146; a single woman. Borrower
<br />is the trustor under this Security Instrument.
<br />(C) "Lender" is Adams Bank & Trust. Lender is a Corporation organized and existing under the laws of Nebraska. Lender's address is Ogallala,
<br />315 North Spruce, P.O. Box 720, Ogallala, NE 69153-0720. Lender is the beneficiary under this Security Instrument.
<br />(0) "Trustee" is Adams Bank & Trust.
<br />(E) "Note" means the promissory note signed by Borrower and dated June 29, 2006. The Note states that Borrower owes Lender Ninety-six
<br />Thousand & 00/100 Dollars (U.S. $96,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the
<br />debt in full not later than July 1, 2036.
<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 the Note, and all sums
<br />due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower
<br />[check box as applicable]:
<br />
<br />D Adjustable Rate Rider
<br />
<br />D Balloon Rider
<br />
<br />D 1-4 Family Rider
<br />
<br />D Condominium Rider
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />D Second Home Rider
<br />D Other(s) [specify] _
<br />
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument,
<br />which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial
<br />institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions,
<br />transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other
<br />taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
<br />condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Page 1 of 8
<br />
<br />Form 3028 1/01
<br />
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