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<br /> ') <br /> Ci) ~ n~ <br /> :- -n ~~ <br /> - c:: n::J: <br /> . ~~''''~ <br /> ~ n Z x c;:::" <br /> <::=> <br />N ~~~ ~~ c::>;) <br />is 6 C- <br />is ~ n'" :;u ~L.' c= <br />0::> 1ll;% r'l ,-- <br />is \ (."") ~'- <br /><.n o ''''{ <br />-...j N <br />N "T1 <br /><.n ~ Cl r <br /> r'l ""'0 <br /> r'l <br /> a ::3 <br /> U"J <br /> c...:> <br /> f'\) <br /> -.J <br /> <br /> <br /> <br />After Recording Return To: <br />First National Bank of St. Louis <br />12218 Manchester Rd <br />Des Peres, Missouri 63131 <br />Loan Number: 2010013917 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />MIN: 1002587-2010013917-9 <br /> <br />DEFINITIONS <br /> <br /> m <br /> z <br /> -I <br /> rn <br />Ow ::::0 <br />O-j 0 rn <br />c= 1>- CJ <br />z-j f'\) )> <br />-Irrl 0 en <br />-<0 Z <br />o " 0 ~ <br />"z CO <br />::1: rT1 :0 <br />:t> CD C) c: <br />r :::0 :s:: <br />r l> U1 m <br /><n ~ <br />:;><; --...J <br />1>- N :z <br />--- --- 0 <br />en Ul <br />v) <br /> <br />G___ <br />C:::::> 0 <br />o <br />.1 <br />'-./' <br /> <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 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 JUL Y 2, 2008 <br />with all Riders to this document. <br />(B) "Borrower" is DARLYS J. SIMMONS, a Single Person <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is First National Bank of St Louis <br /> <br />Lender is a <br />and existing under the laws of <br />Lender's address is 7707 Forsyth Blvd, St. Louis, Missouri 63105 <br /> <br />(D) "Trustee" is Old Republic National Title Insurance Company <br />704 West 3rd Street, Grand Island, Nebraska 68801 <br /> <br />, together <br /> <br />organized <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 />ofp.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated JUL Y 2, 2008 <br />The Note states that Borrower owes Lender EIGHTY - EIGHT THOUSAND ONE HUNDRED AND <br />00/100 Dollars (u. S. $ 88, 100 . 00 ) 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 />JULY 1, 2038 <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 duc under <br />the Note, 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 <br />to be executed by Borrower [check box as applicable]: <br /> <br />o Adjustable Rate Rider <br />o Balloon Rider <br />D 1.4 Family Rider <br />o Condominium Rider <br /> <br />o Planned Unit Development Rider <br />o Biweekly Payment Rider <br />IX] Second Home Rider <br />D Other(s) [specify] <br /> <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 Page 1 of 11 <br /> <br />DocMagic emmramg, 800.649.1362 <br />www.docmagic.com <br />