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A� <br />B <br />rn <br />rt z <br />z <br />rn <br />Return To: Bank of Doniphan <br />PO Box 270 <br />Doniphan, NE 68832-0270 <br />Prepared By: Bank of Doniphan-Hastings <br />800 N Burlington Ave <br />Hastings, NE 68901 <br />= D <br />rn <br />I <br />Deed of Trust <br />MIN 1003601-0002541930-0 <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 September 17, 2021, together with <br />all Riders to this document. <br />(B) "Borrower" is Mitchell D Lau and Jona S Lau, Husband and Wife . Borrower is the trustor <br />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. <br />(D) "Trustee" is West Gate Bank. <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation <br />that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the <br />beneficiary under this Security Instrument. MERS is organized and existing under the laws of <br />Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. <br />(888) 679-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated September 17, 2021. The <br />Note states that Borrower owes Lender One hundred forty two thousand eight hundred and 00/100 <br />Dollars (U.S. $142,800.00) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than October 1, 2036. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights <br />in the Property." <br />(H) "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 />(I) "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 />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS <br />Wolters Kluwer Financial Services, Inc. <br />21.1.0,3686-J20210709N <br />Form 3028 1/01 <br />09/2019 <br />Page 1 of 12 <br />to IP <br />