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Return To: Bank of Doniphan -Main Bank <br />PO Box 270 <br />Doniphan, NE 68832 -0270 <br />Prepared By: Bank of Doniphan - Hastings Branch <br />PO Box 2088 <br />Hastings, NE 68902 -2088 <br />❑ Adjustable Rate Rider <br />❑ Balloon Rider <br />❑ VA Rider <br />Deed of Trust <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Bankers Systems"" VMP® <br />Wolters Kluwer Financial Services 17.3.0.1302- J20170809N <br />".3 <br />0 1 <br />CO <br />❑ Condominium Rider ❑ Second Home Rider <br />® Planned Unit Development Rider ❑ 1 -4 Family Rider <br />❑ Biweekly Payment Rider ❑ Other(s) [specify] <br />Definitions. Words used in multiple sections of this document are defined below and other words are <br />defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this <br />document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated October 16, 2017, together with all <br />Riders to this document. <br />(B) "Borrower" is James L Pickering and Gerianne Pickering, Husband and Wife. Borrower is the <br />trustor under this Security Instrument. <br />(C) "Lender" is Bank of Doniphan. Lender is a state non - member bank organized and existing <br />under the laws of Nebraska. Lender's address is PO Box 270, Doniphan, NE 68832 -0270. Lender is <br />the beneficiary under this Security Instrument. <br />(D) "Trustee" is West Gate Bank. <br />(E) "Note" means the promissory note signed by Borrower and dated October 16, 2017. The <br />Note states that Borrower owes Lender one hundred seventy thousand and 00 /100 Dollars (U.S. <br />$170,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments <br />and to pay the debt in full not later than November 1, 2047. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in <br />the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late <br />charges due under the Note, and all sums due under this Security Instrument, plus interest. <br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The <br />following Riders are to be executed by Borrower [check box as applicable]: <br />Form 30281 /01 <br />08/2017 <br />Page 1 of 12 <br />11 <br />