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<br />rding Return To:
<br />PrimeLending, a PlainsCapital Company
<br />ATTN: Final Documents
<br />P.O. Box 797968
<br />Dallas, TX 75379-7968
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<br />Prepared By:
<br />Robertson & Anschutz
<br />10333 Richmond Avenue, Suite 550
<br />Houston, TX 77042
<br />713-871-9600
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<br />DEED OF TRUST
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<br />Loan No. 3006111256
<br />MIN No. 1000536-3006111256-9
<br />
<br />DEFINITIONS
<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
<br />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 November 30, 2006, together with all Riders to this
<br />document.
<br />(B) "Borrower" is LUIS E. RUIZ and KELLY L. RUlZ, husband and wife. Borrower is the trustor under this Security
<br />Instrument.
<br />(C) "Lender" is PrimeLending, a PlainsCapital Company. Lender is a Corporation organized and existing under the
<br />laws of the State of Texas. Lender's address is 18111 Preston Road, Ste. 900, Dallas, TX 75252.
<br />(D) "Trustee" is Thomas F. Vetters.
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
<br />nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is
<br />organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-
<br />2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated November 30,2006. The Note states that Borrower
<br />owes Lender One Hundred Nine Thousand One Hundred Twenty Dollars (U.S. $109,120.00 ) plus interest. Borrower has
<br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 01, 2036.
<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 evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note,
<br />and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />
<br />[X] Adjustable Rate Rider
<br />
<br />(J) "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 opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order,
<br />
<br />NEBRASKA--Single Family--Fannie MaelFreddie Mac UNIFORM INSTRlJMENT
<br />Form 3028 1101 (Page] of 10 Pages)
<br />(R&A) RA0150542 - sicmers.ne - Rev. 11114/2005
<br />
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