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<br />DEED OF TRUST
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<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 dooument, which is dated MAR C H 24, 2 0 0 9 , together with all Riders to this
<br />dooument.
<br />(B) "Borrower" is E R I C J R 0 SEA N D L E S LIE A R 0 S E. ASH U S BAN 0 AND W I F E
<br />
<br />(C) "Lender" is
<br />CORPORATTON
<br />NF8RASKA
<br />
<br />PLATTE
<br />
<br />, Borrower is the trustor under thiS Seourity Instrument.
<br />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 I'l'n SECOND AVE. KEARNFY Nt 6Se7
<br />. ender is the beneficiary under
<br />
<br />this Seourity Instrument.
<br />
<br />(0) "Trustee" is FIR S T N A T ION A L BAN K 0 F 0 M A H A
<br />1620 DODGE STREET STOP 8133. OMAHA. lIfE 68197-81:1:1
<br />
<br />(E) II Note" means the promissory note signed b}' Borrower and dated MAR C H 2 4. 2 0 0 9 . The Note states that
<br />Borrower owes Lender TWO WU N D RED FOR T Y E I G H T THO USA N U AND N 0 / 1 0 0
<br />Dollars (U.S, $ 2 4 8 , 0 0 0 . 0 0 plus interest.
<br />Borrower has promised to pay thiS debt In regular Periodlo Payments and to pay the debt In full not later than
<br />APRIl 1. 1'039
<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 oharges due under the Note, and
<br />all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are exeouted by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />
<br />o Adjustable Rate Rider 0 Condominium Rider 0 Seoond Home Rider
<br />
<br />o Balloon Rider 0 Planned Unit Development Rider 0 Other(s) [specify]
<br />
<br />D 1-4 Family Rider 0 Biweekly Payment Rider
<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 judlolal 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 assooiation, homeowners association or similar organization.
<br />
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaotion originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronio terminal, telephonic instrument, computer, or magnetic tape so as to order,
<br />instruct, or authorize a financial institution to debit or credit an aooount. Suoh term inoludes, but is not limited to, point-of-sale
<br />transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated olearinghouse
<br />transfers.
<br />
<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 insuranoe rooeeds paid under the ooverages described in Seotion 5) for: (I) dama e to, or destruction of, the Property;
<br />Ii) condemnation or other taking of all or any part of the Property; (ill) conveyance in lieu of con~emnation; 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 soheduled amount due for (i) prinoipal and interest under the Note, plus (ii) any
<br />amounts under Seofion 3 of this Security Instrument.
<br />
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 u.s.a. ~ 2601 et seq) and its implementing regulation,
<br />Regulation X (24 a.F,R. Part 3500), as they might be amended from time to time, or any additional or suooessor legislation or
<br />regulation that governs the same subject matter. As used In this Seourity 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) "SUcces5or in Interest of Borrower" means any party that has taken tttle 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 />2223 SECOND AVE
<br />KEARNEY, NE 68847
<br />
<br />~
<br />
<br />LJ!:.
<br />
<br />NEBRASKA-Slnl,# Family-Fannia fII"..tF."ddl" Mill: UNIFORM INSTRUMENT
<br />3028 NE DOT 1101 PG1
<br />
<br />Form 3028 1101 (p"SlG I of 7 P"9es)
<br />
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