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<br /> DEED OF TRUST ~~
<br /> DEFINITIONS
<br /> . -'
<br />
<br />
<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.
<br />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
<br />document.
<br />(B) "Borrower" is MAR K A GAR T N ERA N D LOR 1
<br />
<br />MARCH 13.
<br />
<br />2 0 0 7
<br />
<br />, together with all Riders to this
<br />
<br />E GARTNER,
<br />
<br />ASH U S BAN 0 AND W I F E
<br />
<br />(C) "lender" is
<br />NFBRASKA
<br />
<br />. Borrower IS the trustor under this Security Instrument.
<br />P L A T T E V ALL E Y S TAT E BAN K & T R U S T CO. Lender is a
<br />organized and existing under the laws of THF STATF OF
<br />. Lender's address is~, SECOND AVE, KEARNEY. NE 68847
<br />Lender is the beneficiary under
<br />
<br />this Security Instrument.
<br />
<br />(0) "Trustee" is U S BAN K T R U S TeD M PAN Y. N A T ION A LAS S 0 CIA T ION
<br />1 ]] S W F 1FT H A V E N U E. P 0 R T LAN D. 0 R 9 7 ? 0 4
<br />
<br />-
<br />(E) "Note" means the promissory note signed by Borrower and dated MAR CHi 3. 2007 . The Note states that
<br />Borrower owes Lender 0 N E HUN 0 RED T WEN T Y THO USA N DAN D NO! 1 0 0
<br />Dollars (U.S. $ 1 2 0 . 0 0 0 . 0 0 plus interest.
<br />Borrower has promised to pay this debt In regular Periodic Payments and to pay the debt in full not later than
<br />A P R ILl. 2 0 3 7
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />
<br />(G) "loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and
<br />all sums due under this Security Instrument, plus interest.
<br />
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />
<br />o Adjustable Rate Rider
<br />o Balloon Rider
<br />01-4 Family Rider
<br />
<br />D Condominium Rider
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />o Second Home Rider
<br />
<br />[]I Other(s) [speoify] N I F A FOR M E - 3
<br />
<br />(I) "Applicable law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />
<br />(J) "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 />
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order,
<br />instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale
<br />transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers
<br />(l) "Escrow Items" means those items that are described in Section 3.
<br />
<br />~M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property:
<br />ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and/or condition of the Property.
<br />
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under Section 3 of this Security Instrument.
<br />
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act ~~2 U.S.C. ~ 2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and
<br />restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related
<br />mortgage loan" under RESPA
<br />
<br />(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
<br />
<br />AFTER RECORDING RETURN TO:
<br />PLATTE VALLEY STATE BANK & TRUST CO
<br />MORTGAGE LOAN DEPARTMENT
<br />2 2 2 3 SEe 0 N D A V E
<br />K EAR N E Y, N E 6 8 847
<br />
<br />~,-,~
<br />
<br />NEBRASKA-Single Family-Fannie Mae/Freddia Mae UNIFORM INSTRUMENT
<br />3028 NE DOT 1/01 P01
<br />
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