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fr -n c N- PI A 0� = t C8 01 is c) ?. .1. al 0 When Recorded Return To: Farmers and Merchants Bank 3015 2nd Avenue Kearney, NE 68847 9754.CV (6/13) 915063WGB DEED OF TRUST is Michael T Naughtin and Glenda J Naughtin, husband and wife Security Instrument. (D) "Trustee" is West Gate Bank 6003 Old Cheney Road Lincoln, NE 68516 C.J e Od [Space Above This Line For Recording Data] DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated May 18th , 2015 , together with all Riders to this document. (B) "Borrower" Borrower is the trustor under this Security Instrument. (C) "Lender" is Farmers and Merchants Bank Lender is a Corporation organized and existing under the laws of the State of Nebraska . Lender's address is 3015 2nd Avenue Kearney, NE 68847 . Lender is the beneficiary under this (E) "Note" means the promissory note signed by Borrower and dated May 18th , 2015 . The Note states that Borrower owes Lender Two Hundred Twenty Six Thousand One Hundred and 00 /100 Dollars (U.S. $ 226,100.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2045 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 (page 1 of 9 pages) Creative Thinking, Inc. GOTO(00145t02)