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202300790 (B) `Lender" is U.S. Bank National Association. Lender is a national bank organized and existing under the laws of the United States of America. Lender's address is 4801 Frederica Street, Owensboro, KY 42301. Lender is the beneficiary under this Security Instrument. The term "Lender" includes any successors and assigns of Lender. (C) "Trustee" is U.S. Bank Trust Company, National Association. Trustee's address is 111 SW Fifth Avenue, Portland, OR 97204. The term "Trustee" includes any substitute/successor Trustee. Documents (D) "Note" means the promissory note dated February 17, 2023, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E -SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender Three hundred twenty eight thousand and 00/100 Dollars (U.S. $328,000.00) plus interest. Each Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than March 1, 2038. (E) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ 1-4 Family Rider O Second Home Rider ❑ Condominium Rider O Planned Unit Development Rider O VA Rider 0 Other(s) [specify] (F) "Security Instrument" means this document, which is dated February 17, 2023, together with all Riders to this document. Additional Definitions (G) `Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. (H) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. (I) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation, or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or with Borrower's knowledge or consent, or failure to provide Lender with material information in connection with the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 12(e). 2201554695 NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Wolters Kluwer Financial Services, Inc. 2023021323.1.0.4809J20221024Y 104. .1 11 ;4r Form 3028 07/2021 10/2022 Page 2 of 22 IN I