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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 JANUARY 4, 2005, together with all Riders to this document. (B) "Borrower" is CHARLES M REESER and KRISTEN K REESER, HUSBAND And WIFE. Borrower is the h ussmr under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.. Lender is a CORPORATION organized and existing under the laws of COLORADO. Lender's address is 7600 EAST ORCHARD ROAD, #250N, GREENWOOD VILLAGE, COLORADO 80111. (D) "Trustee" is TICOR TITLE INSURANCE 113 W 2ND ST GRAND ISLAND. (E) "MERS" 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 JANUARY 4, 2005. The Note states that Borrower owes Lender FIFTY -TWO THOUSAND AND 00 /100ths Dollars (U.S.$52,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1, 2035. (G) "Property" means the property that is described below Under the heading "Transfer of Rights in the Property." Boner lNlials _ -&t2- NEBRASKA- Single Family - Fannie M10Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 (page I of l3 pages) m � N m y C ni N D nip After Recording Return To: IN. CO y Z CHERRY CREEK MORTGAGE CO., INC. O 7600 EAST ORCHARD ROAD, #250N GREENWOOD VILLAGE, COLORADO 80111 [Space Above This Line For Recording Data] Loan Number 16600708 �l MIN# 1OW30200166007086 DEED OF TRUST ` o 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 JANUARY 4, 2005, together with all Riders to this document. (B) "Borrower" is CHARLES M REESER and KRISTEN K REESER, HUSBAND And WIFE. Borrower is the h ussmr under this Security Instrument. (C) "Lender" is CHERRY CREEK MORTGAGE CO., INC.. Lender is a CORPORATION organized and existing under the laws of COLORADO. Lender's address is 7600 EAST ORCHARD ROAD, #250N, GREENWOOD VILLAGE, COLORADO 80111. (D) "Trustee" is TICOR TITLE INSURANCE 113 W 2ND ST GRAND ISLAND. (E) "MERS" 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 JANUARY 4, 2005. The Note states that Borrower owes Lender FIFTY -TWO THOUSAND AND 00 /100ths Dollars (U.S.$52,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1, 2035. (G) "Property" means the property that is described below Under the heading "Transfer of Rights in the Property." Boner lNlials _ -&t2- NEBRASKA- Single Family - Fannie M10Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 (page I of l3 pages)