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<br />"'~.~ T <br />C = <br />m ~n <br />_ <br />~ <br />~ <br />~' <br />m <br />~ I <br />`~ Z 1 ~ ~ ~ o <br />-i <br />c x~ c~ <br />' ~ <br />~ ~ n N ~ +_ ~ ~ ~ a <br /> p <br /> <br />~~ ~ <br />° n <br />~ <br />~ ~ <br />"+ <br />~ -p r.7 <br />c a <br /> <br /> <br /> m <br /> ~ ° <br /> -~-~ <br /> * ;:. cry ~ rn z <br /> 0 <br />DEFINIT10N5 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />~. <br />~~ <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, i 1, 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 March 22, 2010 ,together with all <br />Riders to this document. <br />(B) "Borrower" is Stephen C Gonifas and Stacy A Gonifas, husband and wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Mutual of Omaha Bank <br />Lender is a a Federal Savings Bank organized and existing under <br />the laws of United States of America .Lender's address is <br />1330 "N" St, Lincoln, NE 68508-1907 <br />(D) "Trustee" is MUTUAL OF OMAHA BANK <br />Lender is the beneficiary under this Security Instrument. <br />(E) "Note" means the promissory note signed by Borrower and dated March 22, 2010 .The Note <br />states that Borrower owes Lender One Hundred Seventy Six Thousand Four Hundred and no/100 <br />Dollars (U.S. $176,400.00 )plus interest. Borrower has promised <br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 01, 2040 <br />(F) "Property" means the praperty 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 <br />Note, and all sums due under this Security Instrument, plus interest. <br />(II) "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 <br />^ Balloon Rider ^ Planned Unit Development Rider <br />^ 1-4 Family Rider ^ Biweekly Payment Rider <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac IJNIFQRM INSTRUMENT <br />I?EM 1815L1 (0308) (Page I of 11 pages) <br />^ 5econd Home Rider <br />^X Other(s) [specify] VA Rider <br />Form 3028 1/Ol <br />GreetDocsTM <br />To Order Call: 1-800-9685775 <br />1003004893 <br />