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201301435
<br />1111068856
<br />3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided
<br />in Section 16.
<br />(A) "Security Instrument" means this document, which is dated FEBRUARY 19, 2013 together with all
<br />Riders to this document.
<br />(B) "Borrower" is JAMES R TESSIER AND VANESSA D MELOCHE, HUSBAND AND WIFE AS
<br />JOINT TENANTS WITH RIGHT OF SURVIVORSHIP. Borrower is the trustor under this Security
<br />Instrument.
<br />(C) "Lender" is GREAT WESTERN BANK. Lender is a CORPORATION organized and existing under the
<br />laws of SOUTH DAKOTA. Lender's address is 200 E 10TH STREET SUITE 100, SIOUX FALLS,
<br />SD 57104.
<br />(D) "Trustee" is GREAT WESTERN BANK.
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under
<br />this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address
<br />and 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 FEBRUARY 19, 2013. The Note
<br />states that Borrower owes Lender ONE HUNDRED FORTY - TWO THOUSAND FOUR HUNDRED NINETY
<br />- NINE AND 00 /100 Dollars (U.S. $142, 499.00) plus interest. Borrower has promised to pay this debt
<br />in regular Periodic Payments and to pay the debt in full not later than MARCH 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
<br />due 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
<br />Riders 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 ❑ Biweekly Payment Rider
<br />❑ 1 -4 Family Rider ❑ Other(s) [specify]
<br />® VA Rider
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
<br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non
<br />- appealable judicial opinions.
<br />(K) "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 association, homeowners
<br />association or similar organization.
<br />(L) "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 />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "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 />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
<br />Modified for VA
<br />338.9 Page 2 of 15
<br />Form 3028 1 /01
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