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<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST MIN; 100052217010342223
<br />G
<br />
<br />DEFINITIONS
<br />Words used in multiple sections ofthis document are defined below and other words are defined in Sections 3,11,13,18, 20
<br />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
<br />all Riders to this document.
<br />(B) "Borrower" is Vicki S Goetz, a single person
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is U.S. Home Mortgage, Inc.
<br />is a Corporation organized and existing under the laws of the State of Nebraska
<br />Lender's address is 3825 Vermaas Place Saite B Lincoln, NE 68502 _ __
<br />(D) "Trustee" is Citizens Bank P.O. Box 624 Loup City, NE 68853
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
<br />nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument.
<br />MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated October 8th 2009 .The Note
<br />states that Borrower owes Lender Sixt Thousand and 00/100
<br />Dollars (U.S. $60,000.00 )plus interest. Borrowerhas promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than November 1 2024
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(II) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />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 to be
<br />executed by Borrower [check box as applicable]:
<br />^ Adjustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />^ Balloon Rider ^ Planned Unit Development Rider ^ Other(s) [specify]
<br />^ 1-4 Family Rider ^ Biweekly Payment Rider
<br />(.T) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />non-appealable judicial opinions.
<br />administrative rules and orders (that have the effect of law) as well as all applicable final
<br />,
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessmenti5 and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated bycheck, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as
<br />to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limned to,
<br />point-of--sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(M) "Escrow Items" means thas~° items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any comper. cation, settlement, award of damages, or proceeds paid by any third party
<br />the
<br />or destruction of
<br />es described in Section 5) far: (i) damage to
<br />aid under the covera
<br />roceeds
<br />(other than insurance
<br />,
<br />,
<br />p
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<br />p
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance m lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(O) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(1') "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 of this Security Instrument. `~
<br /> ~i~
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 1/O1 (page I of 8 pages)
<br />I2439.CV (11/07) U6-11U5 Creative Thinking, Inc. ~~
<br />
<br />GOT'O(00032bad)
<br />~~
<br />
<br />October 8th 2009 , togetherwith
<br />Lender
<br />
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