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0 r� n el M After Recording Return To: Decision One Mortgage Company, LLC 6060 J.A. Jones Drive, Suite 1000 Charlotte, North Carolina 28287 [Space Above This Line For Recording Data] Loan Number 2280041209910 MIN: 100077910003192404 DEED OF TRUST JQ: Sc, DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated DECEMBER 30, 2004, together with all Riders to this document. (B) "Borrower" is RONALD D. FINDLEY AND JACQUELINE A. FINDLEY, HUSBAND AND WIFE. Borrower is the trustor under this Security Instrument. (C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. (D) "Trustee" is COMMONWEALTH LAND TITLE INSURANCE. (E) "MFRS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated DECEMBER 30, 2004. The Note states that Borrower owes Lender EIGHTY -NINE THOUSAND NINE HUNDRED AND 001100ths Dollars (U.S.$89,900.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2035. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." NEBRASKA- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /O1 (page 1 of 13 pages) 1 111111 11111 VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII 1111 1111 M =a i�7 1 C:) rt cn '. N (�D r i C1l Ln Tri :D _ O i :3 r— D C h cD U) 200500040 `n [Space Above This Line For Recording Data] Loan Number 2280041209910 MIN: 100077910003192404 DEED OF TRUST JQ: Sc, DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated DECEMBER 30, 2004, together with all Riders to this document. (B) "Borrower" is RONALD D. FINDLEY AND JACQUELINE A. FINDLEY, HUSBAND AND WIFE. Borrower is the trustor under this Security Instrument. (C) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. (D) "Trustee" is COMMONWEALTH LAND TITLE INSURANCE. (E) "MFRS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated DECEMBER 30, 2004. The Note states that Borrower owes Lender EIGHTY -NINE THOUSAND NINE HUNDRED AND 001100ths Dollars (U.S.$89,900.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2035. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." NEBRASKA- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /O1 (page 1 of 13 pages) 1 111111 11111 VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII VIII 1111 1111