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� �� N � 0 = � � �� �� � - � r� • � � � � u. � � � �� ' � � r '� � � � o .. ~ i � � �� �� � rn 3 � � c� W �\ � _ � � N m (p v cn When Recorded Retum To: Lincoln Federal Savings Bank of Nebraska 631 West Second S� Hastings, NE 68901 [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS C� C/� � �--1 C � � m --1 � O O � T Z � rn D S ;J r � � n ,� D C/1 � MIN:100328800029794811 C � C� C.3Z � Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document aze also provided in Section 16. (A) `�5ecurity Instrument" means this document, which is dated December 16th 2011 , together with all Riders to this document. (B) "Borrower" is Fredrick A Benzel and Heather R Benzel, as husband and wife Borrower is the irustor under this Security Instrument. (C� "Lender" is Lincoln Federal Savings Bank of Nebraska Lender is a Corporation organized and existing under the laws of the United States of America . Lender's address is 631 West Second S� Hastings, NE 68901 (D) "Trustee" is Lincoln Federal Savin�s B�nk of Nebraska 1101 N Street Lincoln, NE 68508 (E) uMERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneftciary under this Security Instrumen� MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F� uNote" means the promissory note signed by Borrower and dated December 16th , 2011 . The Note states that Borrower owes Lender One Hundred Seventy Five Thousand Three Hundred Ninety Two aqd 00/100 Dollars (U.S. $175,392.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1, 2042 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. (I� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late chazges due under the Note, and all sums due under this Security Instrument, plus interest. (n "Riders" means all Riders to this Security Insttvment that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1-4 Family Rider ❑ Biweekly Payment Rider (.n �Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the efFect of law) as well as all applicable final, non-appealable judicial opinions. NEBRASKA--Single Family--Fannie Mae/Freddie Mac UIVIFORM INSTRUMENT (MERS) Form 30281/Ol (page 1 of 9 pages) 12439.CV (9/11) 03 Creattve Thinldng, Inc. / �°' � � C� � � � � � � G �j,�..�o GOTO(002e0a46)