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M <br />-n <br />C <br />Z <br />n�nn <br />C/) <br />n C1 <br />� n <br />C) i <br />;K I <br />r <br />After Recording Return To: <br />HAMILTON MORTGAGE COMPANY <br />2700 NORTH CENTRAL AVENUE, SUITE 1500 <br />PHOENIX, ARIZONA 85004 <br />Loan Number: 00004 -24182 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />MIN:1001993- 0000424182 -7 <br />DEFINITIONS <br />CD `` s <br />m <br />m <br />CD N <br />F- <br />N <br />C.) cn <br />O --4 <br />C D <br />M <br />rT1 <br />D ca <br />r � <br />r D <br />cn <br />x <br />D <br />cn <br />Cr) <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 />(A) "Security Instrument" means this document, which is dated DECEMBER 31, 2004 together <br />with all Riders to this document. <br />(B) "Borrower" is JUSTIN KLUSKA, AN UNMARRIED MAN AND KIMBERLY L. <br />PADILLA, AN UNMARRIED WOMAN AS JOINT TENANTS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HAMILTON MORTGAGE COMPANY <br />Lender is a ARIZONA CORPORATION organized <br />and existing under the laws of ARIZONA <br />Lender's address is 2700 NORTH CENTRAL AVENUE, SUITE 1500, PHOENIX, <br />ARIZONA 85004 <br />(D) "Trustee" is ' i"�'�` F'1 rS r w r'r "1 CrG v, T, 4 1 >' % :t S• i v k o� < ('C `1l �c; K 6j <br />123 NORTH LOCUST, GRAND ISLAND, NEBRASKA 68801 I <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 />of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated DECEMBER 31, 2004 <br />The Note states that Borrower owes Lender SIXTY- EIGHT THOUSAND AND 00/100 <br />Dollars (U.S. $ 68 , 0 0 0. 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 />JANUARY 1, 2035 <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 due 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 />Adjustable Rate Rider <br />❑ <br />Condominium Rider <br />❑ Second Home Rider <br />❑ <br />Balloon Rider <br />❑ <br />Planned Unit Development Rider <br />® Other(s) [specify] <br />❑ <br />1 -4 Family Rider <br />❑ <br />Biweekly Payment Rider <br />PREPAYMENT RIDER TO <br />SECURITY INST <br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and <br />administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial <br />opinions. <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT - MERS D— Magkd?9toa7V9xs 800- 649 -1362 <br />Form 3028 1/01 Page 1 of 10 www.docmagic.com <br />0 <br />N <br />0 <br />0 <br />Cn <br />0 <br />0 <br />CD <br />-J <br />CD <br />CL� <br />to <br />2 <br />CD <br />e-t <br />Z <br />D <br />�l <br />r� <br />