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When Recorded Return To: <br />--- -- Nebraska Energy Federal Credit Union <br />—1- 1414 15th Street <br />(p <br />2.) Columbus, NE 68601 <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Nebraska Energy Federal Credit Union <br />Lender is a Credit Union <br />organized and existing under the laws of <br />Lender's address is 1414 15th Street <br />Columbus, NE 68601 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is <br />Nebraska Energy Federal Credit Union <br />1414 15th Street, P.O. Box 499 <br />Columbus, NE 68602 -0499 <br />(Space Above This Line For Recording Data] <br />DEED OF TRUST <br />the State of Nebraska <br />NEBRASKA- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Fors Inc. (800) 446 -3555 <br />LFI #FNMA3028 9111 Page 1 of 13 Initials: <br />c r <br />s <br />August 31, 2018 <br />Loan No: 22102 -28 <br />Parcel ID: 400493288 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated August 31, 2018 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />Jason D. Gemstein and Fawn S. Gemstein, a married couple <br />(E) "Note "means the promissory note signed by Borrower and dated <br />The Note states that Borrower owes Lender <br />Two Hundred FiftyFour Thousand Four Hundred DOLLARS and Zero CENTS <br />Dollars (U.S. $ 254,400.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than September 1, 2048 <br />