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After Recording Return To: Bank of the West Post Closing NE- BBP -LL -P 13505 California Street Omaha, NE 68154 DEFINITIONS 11 11 1 11 1111111 1 1 1 11 11 DEED OF TRUST 11 * 8 8 1 0 0 5 5 5 2 4* NEBRASKA Sing e Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Mortgage Cadence Document Center © 3027 01/14 [Space Above This Line For Recording Data] Prepared By: Brenda Nordling BOTW Primary Ops Center 13505 California St Omaha, NE 68154 `TM7 W :I r - Cr) MIN: 1001040-8810055524-0 Loan #: 8810055524 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 July 13, 2018, together with all Riders to this document. (B) "Borrower" is KELLY OLSUFKA AND SPENCER SIMMONS, WIFE AND HUSBAND, AS JOINT TENANTS. Borrower is the trustor under this Security Instrument. (C) "Lender" is Bank of the West, a California state banking corporation. Lender is a Corporation organized and existing under the laws of THE STATE OF CALIFORNIA. Lender's address is 13505 California Street, Omaha, NE 68154. (D) "Trustee" is Bank of the West, a California state banking corporation, 13505 California St, Omaha, NE 68154. (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated July 13, 2018. The Note states that Borrower owes Lender ONE HUNDRED EIGHTY EIGHT THOUSAND FOUR HUNDRED AND NO /100 Dollars (U.S. $ 188,400.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 01, 2048. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late 1111 11 11 11 11 11 1111 11 11 * M C M O R T D O T* Form 3028 1/01 (page of 14 pages)