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20�203��� <br />(C� "Lender" is BANK OF DONIPHAN <br />Lender is a CORPORATION <br />organized and existing under the laws of THE STATE OF NEBRASKA <br />Lender's address is P 0 BOX 270, DONIPHAN, NE 68832•0270 <br />Lender is the bene�ciary under this Securiry Instrument. <br />(D) "Trustee" is WEST GATE BANK P.O. BOX 67069 LINCOLN, NE. 68506•7069 <br />(E) "Note" means the promissory note signed by Bonower and dated 04-142012 . The Note <br />states that Borrower owes Lender ONE HUNDRED FORTY FIVE THOUSAND AND N0�100 <br />Dollars (U.S. $ 145,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later ihan 05•01-2027 . <br />(F► "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Proper[y. " <br />(G) "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 Securiry Instrument, plus interest. <br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders <br />are to be executed by Borrower [check box as applicable]: <br />� Adjustable Rate Rider � Condominium Rider 0 Second Home Rider <br />� Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider � Other(s) [specify] <br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances <br />and administraiive rules and orders (that have the effect of law) as well as all applicable final, non appealable <br />judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium ass�iation, homeowners <br />association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />1L) "Escrow Items° means those items that are described in Section 3. <br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by <br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Properry; (u) condemnation or other taking of all or any part of the <br />Properry; (ui) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condition of the Property. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1(01 <br />VMP � VMP6�NE) (1106i.00 <br />Wolters Kluwer Financial Services Page 2 of 17 <br />