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<br /> WHEN RECORDED MAIL TO:
<br /> CORNERSTONE BANK
<br /> Aurora Facility
<br /> 1206 13th Street 6 r5
<br /> P.O.Box 386 [/I_
<br /> •
<br /> Aurora, NE 68818-0386 ,rV
<br /> [Space Above This Line For Recording Data)
<br /> DEED OF TRUST
<br /> DEFINITIONS
<br /> Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13,
<br /> 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br /> (A) "Security Instrument" means this document, which is dated January 8, 2013, together with all Riders to this
<br /> document.
<br /> (B) "Borrower" is Brian J Caspar and Kristin N Caspar;,Husband and Wife. Borrower is the trustor under this Security
<br /> Instrument.
<br /> (C) "Lender" is CORNERSTONE BANK. Lender is a Corporation organized and existing under the laws of Nebraska.
<br /> Lender's address is Aurora Facility, 1206 13th Street, P.O. Box 386, Aurora, NE 68818-0386. Lender is the
<br /> beneficiary under this Security Instrument.
<br /> (D) "Trustee" is WEST GATE BANK.
<br /> (El "Note" means the promissory note signed by Borrower and dated January 8, 2013. The Note states that Borrower
<br /> owes Lender Two Hundred Thousand & 00/100 Dollars (U.S. $200,000.00) plus interest. Borrower has promised to
<br /> pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2028.
<br /> (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br /> (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br /> the Note, and all sums due under this Security Instrument, plus interest.
<br /> (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to
<br /> be executed by Borrower [check box as applicable):
<br /> Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider
<br /> Balloon Rider Planned Unit Development Rider Other(s) [specify)
<br /> 0 1-4 Family Rider 0 Biweekly Payment Rider
<br /> (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br /> administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial
<br /> opinions.
<br /> (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that
<br /> are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br /> organization.
<br /> (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br /> similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
<br /> tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
<br /> not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
<br /> transfers, and automated clearinghouse transfers.
<br /> (L) "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 any third
<br /> party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction
<br /> of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of
<br /> condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br /> (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br /> (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br /> any amounts under Section 3 of this Security Instrument.
<br /> (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing
<br /> regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or
<br /> successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA"
<br /> refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the
<br /> Loan does not qualify as a "federally related mortgage loan" under RESPA.
<br /> (0) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party
<br /> has assumed Borrower's obligations under the Note and/or this Security Instrument.
<br /> TRANSFER OF RIGHTS IN THE PROPERTY
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
<br /> Page 1 of 7
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