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<br />~ <br />t:; <br />~ <br />~ <br />~ <br />t>. <br />~ <br />"0:\ <br />f\ <br /> <br />~~ <br />ncn <br />~::c <br /> <br />1lV <br />m <br />.." <br />c: <br />Z <br />o <br />!-r <br /> <br />Q~ <br />men <br />n::c <br />~ <br /> <br /> ,"'" m <br /> C;:') ("') (f) <br /> 't~7.J <::> Z <br /> co C) -f <br /> ~"l... c: l> -i <br /> ,-:-\: =3 z -f Nm <br />~ ~~ = -f m :0 <br />= -< c:> IT1 <br /> (;) 0 <br />o <:..,,~ r"V 0 " C>:x> <br />-r1 0 ...,., ..... c:o~ <br /> tk ""~ <br />0 :c rq Z <br />rn f~' -u J>o co C> to <br />rn ::3 r :;:0 -I <br />0 t r 1> r"V ::1.J <br />(J) (n c: <br /> ~ ......... :;><:; W :?" <br /> :> -.,.., <br /> U1 IT1 <br /> ..c -.- ~ <br /> U1 (f> N <br /> (f) Z <br /> 0 <br /> <br />N <br />G <br />G <br />OJ <br />G <br />N <br />W <br />CJ'1 <br />N <br /> <br />~ <br /> <br />I <br /> <br />~ <br /> <br />WHEN RECORDED MAIL TO: <br />HASTINGS STATE BANK <br />MAIN BRANCH <br />530 N BURLINGTON <br />PO BOX 2178 <br />HASTINGS, NE 68902 <br /> <br />[Space Above This line For Recording Data] <br /> <br />~'~ <br /> <br />DEED OF TRUST <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. <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 March 19, 2008, together with all Riders to this document. <br />(B) "Borrower" is CYNTHIA K. O'DONNEll; A Single Person. Borrower is the trustor under this Security Instrument. <br />(C) "lender" is HASTINGS STATE BANK. Lender is a COMMERCIAL BANK organized and existing under the laws of Nebraska. lender's <br />address is MAIN BRANCH, 530 N BURLINGTON, PO BOX 2178, HASTINGS, NE 68902. lender is the beneficiary under this Security <br />Instrument. <br />(0) "Trustee" is FIRST NATIONAL BANK OF OMAHA, 1620 DODGE STREET OMAHA NE 68102. <br />(E) "Note" means the promissory note signed by Borrower and dated March 19, 2008. The Note states that Borrower owes Lender One <br />Hundred Four Thousand & 00/100 Dollars (U.S. $104,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than April 1, 2038. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />(GI "loan" means the debt evidenced by the Note, plus interest. any prepayment charges and late charges due under the Note, and all <br />sums 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 <br />Borrower [check box as applicable]: <br /> <br />D Adjustable Rate Rider <br />D Balloon Rider <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 />III "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 <br />instrument. which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or <br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated <br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(LI "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 <br />other taking of all or any part of the Property; (Iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condition of the Property. <br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. <br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts <br />under Section 3 of this Security Instrument. <br />(PI "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. ~ 2601 et seq.) and its implementing regulation, Regulation X <br />(24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs <br />the same subject matter. As used in this Security Instrument. "RESPA" refers to all requirements and restrictions that are imposed in <br />regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. <br />(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed <br />Borrower's obligations under the Note and/or this Security Instrument. <br /> <br />TRANSFER OF RIGHTS IN THE PROPERTY <br /> <br />This Security Instrument secures to lender: (i) the repayment of the loan, and all renewals, extensions and modifications of the Note; and <br />(ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower <br />irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of HALL: <br /> <br />Real Property tax identification number is 400025108. <br /> <br />lOT FOURTEEN (14). BLOCK FOUR (41, BRENTWOOD SUBDIVISION TO THE CITY OF GRAND ISLAND, HAll COUNTY, <br />NEBRASKA, ACCORDING TO THE RECORDED PLAT THEREOF <br /> <br />which currently has the address of 3020 BRENTWOOD COURT, GRAND ISLAND, Nebraska 68801 ("Property Address"): <br /> <br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now <br />or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is <br /> <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 1 of 6 <br /> <br />Form 3028 1101 <br /> <br />~. <br /> <br />. , <br />