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�� <br />�� <br />�� <br />N � <br />e � <br />N �� <br />0 ��� <br />0 �� <br />� - <br />�� <br />�� <br />� <br />�� <br />�� <br />� <br />A Z <br />�� <br />7C 7 I <br />, <br />When Recorded Retum To: <br />American National Bank <br />25 Main Place, Ste. 300 <br />Council Bluffs, IA 51503 <br />� c� cn <br />c.'� -� • <br />x �" C � N ��-@ <br />r � - r- � rn O � <br />r p� - � c� <br />� � ~' � <br />0 o N <br />rn � T rn � � <br />D � � <br />N � � <br />� 3 r D � <br />�o N O � <br />� <br />o N � � <br />w �� v <br />� � � � '� <br />N � � <br />��� �� � �1� d�y���y <br />la� 7 �al��,� �� �� �ra v� <br />P�ptllron lV� ��vy� <br />[Space Above This Line For Recording Data] <br />DEFINITIONS <br />� � <br />� S <br />Rr� T� <br />DEED OF TRUST <br />MIN:100084200019624595 <br />Words used in multiple sections of this document aze defined below and other words aze defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regazding the usage of words used in this docut�nt are also provided in <br />Section 16. <br />(A) °�Sectuity Instrument" means this document, which is dated January 24th , 2012 , <br />together with all Riders to this docu�nt. <br />(B) �Borrower" is Trevor M Hill and Andrea M Hill, husband and wife, as joint tenants with right of <br />survivorship and not as tenants in common <br />Borrower is the trustor under this Security Instrument. <br />(C) °�I.ender" is �erican NaHonal Bank <br />Lender is a Corporation organized and existing under the laws of <br />the State of Nebraska . Lender's address is 8990 West Dodee Road Omaha, NE 68114 <br />(D) `�'rustee" is American National Bank 8990 West Dod�e Road Omaha, NE 68114 <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a sepazate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrumen� MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />(F) "Note" means the promissory note signed by Bonower and dated January 24th , 2012 . The <br />Note states that Borrower owes Lender One Hundred Thirty Eight Thousand and 00/100 <br />Dollazs (U.S. $138,000.00 ) plus interest. Borrowerhas <br />promised to pay this debt in regular Periodic Pay�nts and to pay the debt in full not later than <br />Februar_y 1, 2027 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(I� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(n "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders <br />aze to be executed by Bonower [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 />(� "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNITORM INSTRUMENT (MERS) Form 3028 LOl (page 1 of 9 pages) <br />12439.CV (9/11) 874173 Creative Thinldng, Inc. <br />GOTO(OOldf3fn <br />�l�o�'� <br />o a� �3� <br />