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0 THIS INSTRUMENT PREPARED BY: Kathryn A Suchy Bank of the West, a California state banking corp. 13505 California St Omaha, NE 68154 LOAN NUMBER: 8801784192 MIN: 100104088017841923 AFTER RECORDING RETURN TO: NE- BBP -LL -P Bank of the West Post Closing 13505 California St. Omaha, NE 68154 (Space Above This Line For Recording Data) DEED OF TRUST cJ1 r ri3 r f t_rr 3 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 November 10, 2015, together with all Riders to this document. (B) "Borrower" is CHAD F PFEIFER, A SINGLE MAN, whose address is 1011 STARWOOD AVE APT 3, Grand Island, Nebraska 68803, who is /are the trustor(s) under this Security Instrument. (C) "Lender" is Bank of the West, a California state banking corp.. Lender is a Bank organized and existing under the laws of the State of California. Lender's address is NE- BBP -LL -P, Omaha, Nebraska 68154 . (D) "Trustee" is Bank of the West, a California state banking corp. . (E) "MERS" is the Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of PO Box 2026, Flint, MI 48501 -2026, tel. (888)679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated November 10, 2015. The Note states that Borrower owes Lender One Hundred Seventeen Thousand Seven Hundred Five and 00 /100 Dollars (U.S. $117,705.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2045. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. (H) "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. Form 3025 1/01 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ® 2004 -2015 Compliance Systems, Inc. 664deb04- a78589be - 2015.11.3.1076 www.compliancesystems.com Single Family Real Estate - Security Instrument DL2047 Page 1 of 14 i l l Al III1111 01111)1.1111,1 111.111 2 111111 1 11 1 I1I a l R11 II 1 1111 1111!