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<br /> I WHEN RECORDED MAIL TO:
<br /> COR RSTONE BANK
<br /> Main B k Facility
<br /> 529 Linc Avenue
<br /> P.O.Box 6
<br /> York,NE 6 67-0069
<br /> [Space Above This Line For Recording Data]
<br /> MIN#101437300001783698 O
<br /> DEED OF TRUST 0•u
<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 May 3, 2018, together with all Riders to this
<br /> document.
<br /> (B) "Borrower"is James A Gibson;A Single Person. Borrower is the trustor under this Security Instrument.
<br /> (C) "Lender" is CORNERSTONE BANK. Lender is a a Corporation organized and existing under the laws of Nebraska.
<br /> .� Lender's address is Main Bank Facility,529 Lincoln Avenue, P.O.Box 69,York, NE 68467-0069.
<br /> i • (D) "Trustee"is U.S. Bank National Association.
<br /> (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
<br /> nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument.
<br /> T MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box
<br /> 2026, Flint, MI 48501-2026,tel. (888)679-MERS.
<br /> (F) "Note" means the promissory note signed by Borrower and dated May 3, 2018. The Note states that Borrower
<br /> owes Lender Sixty-nine Thousand One Hundred & 00/100 Dollars (U.S. $69,100.00) plus interest. Borrower has
<br /> i promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1,2048.
<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, any prepayment charges and late charges due under
<br /> the Note,and all sums due 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 be
<br /> .4, executed by Borrower[check box as applicable]:
<br /> QAdjustable Rate Rider Q Condominium Rider Q Second Home Rider
<br /> (1° Balloon Rider 0 Planned Unit Development Rider ® Other(s)[specify]Rural Development
<br /> �° Rider
<br /> El 1-4 Family Rider ll Biweekly Payment Rider
<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 that
<br /> 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 magnetic
<br /> tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
<br /> not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
<br /> transfers,and automated clearinghouse transfers.
<br /> (M) "Escrow Items"means those items that are described in Section 3.
<br /> (N) "Miscellaneous Proceeds"means any compensation,settlement, award of damages, or proceeds paid by any third
<br /> party(other than insurance proceeds paid under the coverages described in Section 5)for: (i)damage to,or destruction
<br /> of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of
<br /> condemnation;or(iv)misrepresentations of,or omissions as to,the value and/or condition of the Property.
<br /> (0) "Mortgage Insurance"means insurance protecting Lender against the nonpayment of,or default on,the Loan.
<br /> (P) "Periodic Payment"means the regularly scheduled amount due for(i)principal and interest under the Note, plus(ii)
<br /> any amounts under Section 3 of this Security Instrument.
<br /> (Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing
<br /> regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or
<br /> successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,"RESPA"
<br /> refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan"even if the
<br /> Loan does not qualify as a"federally related mortgage loan"under RESPA.
<br /> (R) "Successor in Interest of Borrower"means any party that has taken title to the Property,whether or not that party
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
<br /> Page 1 of 8
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