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fter Recording Return To:
<br />innacle Bank
<br />30 N Burlington Ave
<br />Hastings, NE 68901
<br />MIN: 100952400064371212
<br />DEFINITIONS
<br />NEBRASKA FHA DEED OF TRUST -MERS
<br />16256.CV (9/15) 1501704
<br />Page 1 of 8
<br />DEED OF TRUST
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Pinnacle Bank
<br />Lender is a Corporation
<br />the laws of the State of Nebraska
<br />530 N Burlington Ave Hastings, NE 68901
<br />(D) "Trustee" is Pinnacle Bank 530 N Burlington Ave Hastings, NE 68901
<br />--4
<br />[Space Above This Line For Recording Data]
<br />FHA Case No.
<br />321- 3439876 -703
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 10, 12,
<br />17, 19, and 21. Certain rules regarding the usage of words used in this document are also provided in Section 15.
<br />(A) "Security Instrument" means this document, which is dated December 10th , 2015 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is Andrew M Galvan, a single person
<br />organized and existing under
<br />. Lender's address is
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely
<br />as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />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 December 10th , 2015 . The Note
<br />states that Borrower owes LenderEighty One Thousand Nine Hundred Eighty Seven and 00 /100
<br />Dollars (U.S. $ 81,987.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1, 2046
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, late charges due under the Note, and all sums due
<br />under this Security Instrument, plus interest.
<br />(I) "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 />❑ Condominium Rider ❑ Adjustable Rate Rider
<br />❑ Planned Unit Development Rider ❑ Other(s) [specify]
<br />(J) "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 />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(L) "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
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />Published September 2014
<br />6899982140 GOTO(0063e1391)
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