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When Recorded Return To: <br />FIVE POINTS BANK OF HASTINGS <br />320 SOUTH BURLINGTON SUITE 100 <br />HASTINGS, NE 68901 <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is FIVE POINTS BANK OF HASTINGS <br />m <br />m <br />c <br />n 2 <br />n n n nl � <br />z <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />STATE OF NEBRASKA <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 May 7, 2015 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />MICHAEL L. KOTTWITZ AND TAMMY S. KOTTWITZ, HUSBAND AND WIFE <br />Lender is a NEBRASKA CORPORATION <br />organized and existing under the laws of <br />Lender's address is 320 SOUTH BURLINGTON SUITE 100 <br />HASTINGS, NE 68901 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is <br />FIVE POINTS BANK OF HASTINGS <br />2815 OSBORNE DRIVE WEST <br />HASTINGS, NE 68901 <br />(E) "Note" means the promissory note signed by Borrower and dated May 7, 2015 <br />The Note states that Borrower owes Lender <br />One Hundred EightyFive Thousand DOLLARS and Zero CENTS <br />Dollars (U.S. $ 185,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than June 1, 2030 <br />NEBRASKA- Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 1 of 13 Initials: <br />m <br />—I <br />l- � C/3 <br />a � <br />CJ CD C <br />c Nm <br />— 3 Sz <br />— I <br />0 <br />Loan No: 18101 C �j <br />Parcel ID: 400354950 <br />