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<br /> DEED OF TRUST ~~~U
<br />
<br /> DEFINITIONS
<br /> Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 2l) and 21.
<br /> Certain rules regarding the usa ge of words used in this document are also provided in Section 16.
<br /> (A) "Security Instrument" means this document, which is dated JANUARY 5 , 2 0 1 0 , together with all Riders to this
<br /> document.
<br /> (B) "Borrower" is DARIN D VERBA AND ELLISON .J VERBA, HiJSBAND AND WIFE
<br />. Borrower is t e trustor under t is ecunty nstrument.
<br />(C)"Lender"is PLATTE VALLEY STATE BANK & TRUST CO Lenderisa
<br />organized an existing un er the awe o
<br />ends s a dress is
<br />ender s t e ens iclary un er
<br />t Is ecurity nstrument.
<br />(D)"Trustee"is PLATTE VALLEY STATE BANK & TRUST CD.
<br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 5 . 2 0 1 0 The Note states that
<br />Borrower owes Lender ONE HUNDRED THIRTY SEVEN RED AND
<br />oilers .S. pus nterest.
<br />rrower as promise to pay t is debt in regular Peno is Payments and to pay the debt in u not later t an
<br />~ 1 _ 040_ _.
<br />(F) "Property" means the property that is described below under the heading 'Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and
<br />all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means ail Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />^ Ad]ustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />^ t3albon Rider ^ Planned Unit Devebpment Rider ^ Other(s) [specify]
<br />^ 1-4 Family Rider ^ Biweekly Payment Rider
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />(J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association ar similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order,
<br />instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale
<br />transfers, automated teller machine transactions, transfers Initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(L) "Escrow Items" means those i#ems that are described in Section 3.
<br />M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage ta, or destruction of, the Property;
<br />ii) condemnation or other taking of all or any part of the Property; (fif) conveyance in Ifeu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and/or condition of the Property.
<br />(N) "Mortgage Insurance"' means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(O) "Periodic PaXment" means the regulariy scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under: Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. X2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation than governs the same subject matter. As used in this Security Instrument, "RESPA" refers to ail requirements and
<br />restrictions that are imposed in regard to a "federally related mortgage loan' even if the Loan does not qualify as a "federally related
<br />mortgage loan" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
<br />AFTER RECORDING RETURN TO: V
<br />PLATTE VALLEY STATE BANK & TRUST CD
<br />MORTGAGE'LOAN DEPARTMENT
<br />2223 SfrG''OND AVE
<br />KEARNEY. NE 68847
<br />NEBRASKA-~Nqk Fam11y-FsnnM MadFradclN Mac UNIFORM iNBTRUMENT
<br />8028 NE DOT 1/01 PG1
<br />C~V
<br />Form 3028 trot (page ~ of 7 pages)
<br />
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