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� <br />.�� <br />�� <br />� <br />� �� <br />� "� <br />0 "� <br />� <br />� <br />� <br />- <br />- <br />� <br />- <br />- <br />.� <br />rra <br />G <br />7 � <br />� � � <br />b = <br />When Recorded Return To: <br />Farmers and Merchants Bank <br />3015 2nd Avenue <br />Kearney, NE 68847 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFINITIONS <br />r -.,. <br />� c-- > <br />•--• <br />s '" <br />� - <br />r S,, , c . : � <br />, G <br />t:� ��. <br />�. �`�-.• � <br />f�'1 � <br />:� �.._, <br />�n '' " <br />I �l J <br />_.. r <br />,�'�i � N <br />� >. <br />{- � ' .s <br />f � f � � <br />� r � � L� <br />� 5� <br />C7 C!� <br />O --1 <br />C � <br />� rn <br />"� O <br />O �1 <br />� � <br />�- r., <br />;� tz� <br />f � <br />r D <br />Cn <br />_� <br />3i <br />Cf'7 <br />CJ') <br />MIN:100815200009187054 <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated August 2od , 2012 , <br />together with all Riders to this document. <br />(B) f°Borrower" is Joseph A. Krolikowski and Carina K. Krolikowski, husband and wife <br />Borrower is the trustor under this Security Instrument. <br />(C) °iLender" is Farmers and Merchants Bank <br />Lender is a Corporation organized and existing under the laws of <br />the State of Nebraska . Lender's address is 3015 2nd Avenue Kearney, NE 68847 <br />(D) °�Trustee" is Farmers and Merchants Bank 617 First Street Box E Milford, NE 68405 <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary uader this <br />Security Instrument. 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 />(� °tNote" means the promissory note signed by Borrower and dated August 2nd , 2012 . The <br />Note states that Bonower owes Lender One Hundred Forty One Thousand Three Hundred and 00/100 <br />Dollars (U.S. $141,300.00 ) plus interest. Borrower has <br />promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than <br />September 1, 2042 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(I� G°Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late chazges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(n °LRiders" means all Riders to this Security Instrument that are executed by Borrower. T'he following Riders <br />are 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 />(,n "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—Faanie Mae/Freddie Mac iJNIFORM INSTRUMENT (MERS) Form 3028 1/Ol (page 1 of 9 pages) <br />12439.CV (9/11) 912126FA Creative T6inldng, Inc. <br />N <br />0 <br />� <br />zv <br />C7 <br />U� <br />c.!'1 <br />W <br />f�"� <br />� <br />�� <br />GOTO(OOOe3602) <br />