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<br />Finiti Recording Team
<br />Accommodation Recording per Client Requests
<br />Co90mti a, MD 21046 rive .�� 1 g 3� Z
<br />[Space A�ove This L�1ne For Recording Data]
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<br />N � �5 � �� ��� D�EED OF TRUST
<br />DEFINITIONS
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<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18,
<br />20 and Z 1. Certain nzles 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 October 14 , 2 011 , together with all Riders to
<br />this document.
<br />(B)"Borrower" is KEVIN S KISER AND TINA KISER HiJSBAND AND WIFE
<br />. Borrower is the trustor
<br />under this Security Instrument.
<br />(C)"Lender" is ONEMP�'�T FIl�INCIAL, Il�TC. . Lender is a corporation organized
<br />and existing under the laws of Delaware . Lender's address is
<br />2014 N LAWRENCE LANE GRAND ISLAND NE 68803 . Lender is the beneficiary
<br />under this Security Instrument.
<br />(D) ��Trustee" is
<br />Michael F. Kivett
<br />(E)"Note" means the promissory note sigtted by Borrower and dated October 14 , 2 011 . The Note states that
<br />Borrower owes Lender
<br />THIRTY THOUSAND SIX HUNDRED SEVENTY AND 43/100 DOLLARS
<br />(LT.S. $ 3 0 676 . 43 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay
<br />the debt in full not later than November 2 5, 2 0 2 6.
<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
<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 Bonower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second HomeRider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s)[specify] _
<br />❑ 1-4 Family Rider O Biweekly Payment Rider
<br />(n"Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect oflaw) as well as all applicable final, non-appealable judicial opinions.
<br />(���Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other chazges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(I�"Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br />similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
<br />tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not
<br />limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and
<br />automated clearinghouse transfers.
<br />(L)"Escrow Items" means those items that are described in Section 3.
<br />(Nn"Miscellaneous Procceds" 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 to, or destruction of, the
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations 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 />(0)"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 />(P)"RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 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
<br />or regulation that governs the same subject matter. As used in this Security Inshument, "RESPA" refers to all requirements
<br />and restrictions that are imposed in regard to a"federally related mortgage loan" even if the Loan does not qualify as a
<br />"federally related 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 />NEBRASKA—Single Family— Fannie Mae/Fredd[e Mac UNIFORM INSTRUMENT Form 3028 1/Ol
<br />NE21ol�t-z 4/20to Origiaal (Reaorded) Copy (Braaoh) Copy (Cuatomer) Page 1 of8
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