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When Recorded Return To: <br />City Bank & Trust Co. <br />2929 Pine Lake Road <br />Lincoln, NE 68516 <br />1' <br />Z <br />n <br />en 70 V <br />rt <br />7C Z <br />is Scott L Fries and Andrea B Fries, husband and wife <br />(D) "Trustee" is Chicago Title Insurance Company <br />--1 <br />- - <br />--1 <br />rn <br />C> <br />[Space Above This Line For Recording Data] <br />MIN: 100567400003139370 <br />[Grasfa 7it1 Company DEED OF TRUST <br />6003 Oa Cheney .l1ai <br />Suite 300 <br />Lincoln, 9a 68516 <br />DEFINITIONS <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 December 14th , 2012 , <br />together with all Riders to this document. <br />(B) "Borrower" <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is City Bank & Trust Co. • <br />Lender is a Commercial Bank organized and existing under the laws of <br />the State of Nebraska . Lender's address is 2929 Pine Lake Road Lincoln, NE 68516 <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 under 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 />(F) "Note" means the promissory note signed by Borrower and dated December 14th , 2012 . The <br />Note states that Borrower owes Lender One Hundred Fifty Six Thousand and 00 /100 <br />Dollars (U.S. $156,000.00 ) plus interest. Borrower has <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />January 1, 2043 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(H) "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 />(I) "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 ❑ Second Home Rider <br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] <br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider <br />(J) "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 F4 yAl� Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 1/01 (page 1 of9pages) <br />12439.CV (9/11) 0 6 0'Z 4U u 7� Creative Thinking, Inc. <br />GOTO(0004ed0d) <br />