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<br />DEED OF TRUST 200405063
<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, 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 ............ _. ....... _ ................ together
<br />with all Riders to this document.
<br />(B) " Borrower" is .lJennia 5lnPha nand. Ktia.SmPU4n,.H.na4and.and Wife ................ ............................... ..........................
<br />.............................. ............................... _... _......... ............................... _........ I ....... ................. ......... .
<br />Borrower is the trwacr under this Security Instrument.
<br />(C) "Lender" is 11049. .1. Bank.......... ..... .......
<br />.............._............... ............................... ............................ .
<br />Lender is a CDIRVWI[ ug .................. ............................... _..... . .............................._ organized and existing under
<br />the taws of Aba.SIe tool. NAYMke........_ .. ............................... Lender's address is .1. 333. Nolih Wa4.4.1l4ad. P.A,.4ee 5138,.,
<br />&land]slandr.NF Haf l?........... ................ ...........................
<br />....._.................................. ...............................
<br />Lender is the beneficiary under this Securityy Instrument.
<br />(D) " Trustee" is WOW N,Weh,417Aad..Gland Island, NE„48502 ... ........... ............................... ... .
<br />(E) "Note" menus the promissory to signed by Borrower and dared 05 14:20.44 .......... ...... .. The
<br />Now states that Borrower owes Lender oae.hghdWd foufl8gndhoWWUd eight hundred lhlrty nine. and.501100 . ...... ...
<br />............................. _................... Dollars (U.S. $ .1. 1,4.430,50 ............ ...... ..) plus interest. Borrower bas promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than .................... 01.:14; 2004....................
<br />.. ...............................
<br />................................................................ ............................... I .........
<br />........... .
<br />(F7 "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 Nom, plus interest, any prepayment charges and into charges due under the Nom,
<br />and all sums due under this Security lastrument, plus interest.
<br />(H) "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 />(1) "Applicable Low" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non- appealable judicial opinions.
<br />(J) "Community, Association Dues, Pees, and Assessments" means all dues, fees, asseasments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" meant any transfer of funds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, nr magnetic rope so as in
<br />order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited m,
<br />point- of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described (a Section 3.
<br />(M) "Miscellaneous Proceeds" means any complication, settlement, award of damages, or proceeds paid by any third parry
<br />(other than insurance proceeds paid under the coverages described in Section 5) for (t) damage to, or destruction of, the
<br />Property; (di) condmmnation or other taking of all or say part of the Property; (iii) conveyance in lieu of condemnation; of (iv)
<br />misrepresentations of, or omissions as to, the value and /or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Leader against the wmpaymem 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) any
<br />amounts under Section 3 of this Security 101tr em.
<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 or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers in all 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
<br />related mortgage Iran" under RESPA.
<br />(Q) "Successor in fnterect of Borrower" means any party that has taken title to the Property, whether or not that parry has
<br />assumed Borrower's obligations under the Non: and /or this Security Instrument.
<br />Form I3028N 1101
<br />NEBMSKA— Single Family— Fannie Mae/Freddie Mae UNIFORM INSTRUMENT IIIWI IIIVI IIA IIY II
<br />BaMm Syolaa. Irc. St Clwd. MN FOrm Mn -0NE 9/9/3000 J n 2 A 0
<br />al. 1/3001 oaFy 7 ( i I'll 11 a
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