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<br /> 1fI ~i <br /> m <br /> "'ft <br /> c: <br /> Q~ z JlI; <br /> 0 <br />I\.) ~CI' ~ E;"- <br />CSl ~% f:l <br />CSl <br />0'> <br />CSl 0 <br />0'> Q <br />00 <br />I\.) <br />CSl <br /> <br />:ra <br />c <br />;5 <br />z <br />S <br />C') <br />", <br />-t <br />~ <br />1"1'1 <br />U) <br />,." <br />::0 <br />-= <br />n <br />1"1'1 <br />CI) <br /> <br />After Recording Return To: <br />FLEXPOINT FUNDING CORPORATION <br />30 EXECUTIVE PARK, SUITE 100 <br />IRVINE, CALIFORNIA 92614 <br />Loan Number: 4006040328 <br /> <br /> ,...." ~ <br /> = <") (f) oS" <br /> c::::> 6-4 <br /> Q'3 <br /> ?~ c:J> N!. <br /> -~ z-l <br />~ t~' c: -j.f"Tl 0 <br />:;:; ,t G) -<0 ~ <br /> 0 <br />o'~ 0"'" <br />~ ..., z 0') - <br />""Tl r :r: 1"11 ~ <br /> '~" C) <br />0 '.....1,. ):> GJ <br />rn l -U r- ;:;0 <br />m :::3 en <br />0 ,. :too' l <br />w (J) co <br />N ;:><: <br /> )> N <br /> .....s:: ~"~ <br /> W en 0 :2 <br /> (jJ 0 <br /> <br />[Space Above This line For Recording Data] <br /> <br />r"::: /' <br />~ ~..... <br />'r'., 0- <br />o <br /> <br />DEED OF TRUST <br /> <br />MIN: 1002589-4006040328-8 <br /> <br />DEFINITIONS <br /> <br />Words used in multiple sections of this document are defined below and other words are defined in Sedions 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 /> <br />(A) "Security Instrument" means this document, which is dated JULY 25, 2006 , together <br />with all Riders to this document. <br />(B) "Borrower" is STEVEN M. MELNICK AND KIMBERLY M. MELNICK, HUSBAND <br />AND WIFE, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP AND NOT <br />AS TENANTS IN COMMON <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is FLEXPOINT FUNDING CORPORATION <br /> <br />Lender is a CALI FORNIA CORPORATION organized <br />and existing under the laws of CALIFORNIA <br />Lender's address is 30 EXECUTIVE PARK, SUITE 100, IRVINE, CALIFORNIA <br />92614 <br /> <br />(D) "Trustee" is Gary D Byrne, a member of the Nebraska State Bar Association <br />503 WEST KOENIG, GRAND ISLAND, NEBRASKA 68803 <br /> <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 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 daled JULY 25, 2006 <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY-SEVEN THOUSAND <br />EIGHT HUNDRED AND 00/100 Dollars (U.S. $ 127,800.00 ) plus interest. <br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not latcr than <br />AUGUST 1, 2046 <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 evidcnced by the Note, plus interest, any prepayment charges and late charges due under <br />the Note, and all sums due under this Security Instrumcnt, 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 />l2J Adjustable Rate Rider <br />D Balloon Rider <br />o 1-4 Family Rider <br />o Condominium Rider <br /> <br />o Planned Unit Development Rider <br />o Biweekly Payment Rider <br />o Second Home Rider <br />o Other(s) [specify] <br /> <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1101 Page 1 of 10 <br /> <br />DocMag/c E!r~ 800.64 -1362 <br />www.docmagic.com <br /> <br />~MIY\, <br />lA.m.m. <br />