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Return To: First National Bank of <br />Omaha <br />1620 Dodge Street Stop Code 3165 <br />Omaha, NE 68197-3165 <br />Prepared By: Lauren Errico <br />1620 Dodge St. <br />W Omaha, NE 68197 <br />H <br />73 <br />Deed of Trust <br />MIN 100500000014115367 <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 January 21, 2020, together with all <br />Riders to this document. <br />(B) "Borrower" is Richard F Raffaeli and Paula J Raffaeli, Husband and Wife; . Borrower is the <br />trustor under this Security Instrument. <br />(C) "Lender" is First National Bank of Omaha, A National Banking Association. Lender is a <br />national bank organized and existing under the laws of the United States of America. Lender's <br />address is 1620 Dodge Street Stop Code 3165, Omaha, NE 68197-3165. <br />(D) "Trustee" is First National Bank of Omaha. <br />1411536 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 30281/01 <br />Wolters Kluwer Financial Services, Inc. 02/2019 <br />2020011619.2.0.2728J20190326Y Page 1 of 16 <br />