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Return To: <br />First National Bank of Omaha <br />1620 Dodge Street Stop Code 3165 <br />Omaha, NE 68197 -3165 <br />Prepared By: <br />Landon Nicolai <br />1620 Dodge St. <br />Omaha, NE 68197 <br />NEBRASKA- Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />Deed of Trust <br />Loan Number: 1107966 <br />Definitions <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, <br />18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated August 10, 2016 , together with all Riders <br />to this document. <br />(B) "Borrower" is <br />Keith P Espeland and Jodi A Espeland, Husband and Wife ; <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is First National Bank of Omaha <br />Lender is a National Banking Association <br />organized and existing under the laws of NEBRASKA . Lender's address is <br />1620 Dodge Street Stop Code 3165 <br />Omaha, NE 68197 -3165 <br />Lender is the beneficiary under this Security Instrument. <br />c9', <br />N <br />C? <br />►—� ,1 i <br />c_n 6) <br />T <br />-- r-J CU <br />r C.fl <br />(J) N <br />D CJ"1 <br />CD <br />— C CC) CO <br />r7 <br />Fomi 3028 1101 <br />VMPB(Nq (1302)00 <br />Page 1 of 15 <br />