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Return To: Bank of Doniphan PO Box 270 Doniphan, NE 68832 -0270 Prepared By Bank of Doniphan PO Box 270 Doniphan, NE 68832 -0270 V02014.1 NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT VMP® Wolters Kluwer Financial Services 2016022415.3.0.3406- N20160106N Deed of Trust C.) N CD (B) "Borrower" is Kiffin R Penas, A Single Person. Borrower is the trustor under this Security 1 '.; :wt C /) 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 February 26, 2016, together with all Riders to this document. rri -4 Instrument. m (C) `Lender" is Bank of Doniphan. Lender is a state non - member bank organized and existing under the laws of Nebraska. Lender's address is PO Box 270, Doniphan, NE 68832 -0270. Lender is .c� the beneficiary under this Security Instrument. rtri (D) "Trustee " is West Gate Bank. (E) "Note" means the promissory note signed by Borrower and dated February 26, 2016. The Note states that Borrower owes Lender eighty four thousand four hundred and 00/100 Dollars (U.S. $84, 400.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2046. (E) "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 ❑ 1 -4 Family Rider CI VA Rider ❑ Biweekly Payment Rider ❑ Other(s) [specify]