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[Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS '75,5o 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 February 25, 2005 together with all Riders to this document. (B) Borrower" is JAMES E PEDERSON AND KIMBERLY PEDERSON, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is NATIONPOINT A DIVISION OF NAT. CITY BANK OF IN Lender is a National Association organized and existing under the laws of United States of America . Lender's address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE (E) "Note" means the promissory note signed by Borrower and dated February 25, 2005 The Note states that Borrower owes Lender One Hundred Thousand and no /100 Dollars (U.S. $100,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 01, 2035 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Load' means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider ❑ Condominium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider NEBRASKA -- Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ITEM 1915L1 (0011) MFNE3111 (Page 1 of I1 pages) D544 Q� 00-16y ❑ Second Home Rider ❑Other(s) [specify] Prepay Rider Form 30281/01 4000247105 GREATLAND ■ To Order Call: 1- 800 -530 -9393 ❑ Fax: 616 - 791 -1131 If PO n, .n n c Z d _ � C„ -j � n o —+ Z M o N After Recording Return To: M > \ ri � N � 7], "c� m O NATIONPOINT � o o ATTENTION: RECORDS MANAGEMENT ° N T cn 2150 NORTH FIRST STREET LSD o �„ rn o �1 SAN JOSE, CA 95131 n co N Z C [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS '75,5o 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 February 25, 2005 together with all Riders to this document. (B) Borrower" is JAMES E PEDERSON AND KIMBERLY PEDERSON, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is NATIONPOINT A DIVISION OF NAT. CITY BANK OF IN Lender is a National Association organized and existing under the laws of United States of America . Lender's address is 2150 NORTH FIRST STREET, SAN JOSE, California 95131 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE (E) "Note" means the promissory note signed by Borrower and dated February 25, 2005 The Note states that Borrower owes Lender One Hundred Thousand and no /100 Dollars (U.S. $100,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 01, 2035 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Load' means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider ❑ Condominium Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider NEBRASKA -- Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ITEM 1915L1 (0011) MFNE3111 (Page 1 of I1 pages) D544 Q� 00-16y ❑ Second Home Rider ❑Other(s) [specify] Prepay Rider Form 30281/01 4000247105 GREATLAND ■ To Order Call: 1- 800 -530 -9393 ❑ Fax: 616 - 791 -1131 If