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<br />WHEN RECORDED MAIL
<br />CORNERSTONE BANK
<br />Gra d Island n Facility
<br />840 h rs Avenue
<br />Grand I NE 68803
<br />INST 101
<br />TO:
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<br />Pl&44sr liz 1 t
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />• CASH
<br />CHECK 7)""
<br />REFUNDS:
<br />CASH
<br />CHECK
<br />REGD,RD4D
<br />HALL COUNTY NE
<br />1015 NOV l P 3: 0 I
<br />J :ST1 WOLD
<br />REGISTER OF DEEDS
<br />DEFINITIONS
<br />Words used in multiple sections of this document are defined below and other words are defined under the caption
<br />TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25. Certain rules
<br />regarding the usage of words used in this document are also provided in Section 17.
<br />Parties
<br />(A) "Borrower" is Nadia McCann, whose address is 2847 Goldenrod Dr, Grand Island, NE 68801-8728 and Matthew
<br />McCann, whose address is 2847 Goldenrod Dr, Grand Island, NE 68801-8728; Wife and Husband. Borrower is the
<br />trustor under this Security Instrument.
<br />(B) "Lender" is CORNERSTONE BANK. Lender is a Corporation organized and existing under the laws of Nebraska.
<br />Lender's address is Grand Island Main Facility, 840 North Diers Avenue, Grand Island, NE 68803. Lender is the
<br />beneficiary under this Security Instrument. The term "Lender" includes any successors and assigns of Lender.
<br />(C) "Trustee" is Cornerstone Bank. Trustee's address is 840 North Diers Avenue, Grand Island, NE 68803. The term
<br />"Trustee" includes any substitute/successor Trustee.
<br />Documents
<br />(D) "Note" means the promissory note dated October 29, 2025, and signed by each Borrower who is legally obligated
<br />for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature,
<br />or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E-SIGN, as
<br />applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender Two Hundred
<br />Sixty-four Thousand Four Hundred & 00/100 Dollars (U.S. $264,400.00) plus interest. Each Borrower who signed the
<br />Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than November 1,
<br />2055.
<br />(E) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated
<br />into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box
<br />as applicable]:
<br />Adjustable Rate Rider [] Condominium Rider Q Other(s) [specify]
<br />1-4 Family Rider [] Planned Unit Development Rider
<br />Second Home Rider
<br />(F) "Security Instrument" means this document, which is dated October 29, 2025, together with all Riders to this
<br />document.
<br />Additional Definitions
<br />(G) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial
<br />opinions.
<br />(H) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar
<br />organization.
<br />(I) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security
<br />Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation, or agreement in this
<br />Security Instrument; (iii) any materially false, misleading, or inaccurate information or statement to Lender provided by
<br />Borrower or any persons or entities acting at Borrower's direction or with Borrower's knowledge or consent, or failure
<br />to provide Lender with material information in connection with the Loan, as described in Section 8; or (iv) any action or
<br />proceeding described in Section 12(e).
<br />(J) "Electronic Fund Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br />similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
<br />tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
<br />not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone or other
<br />electronic device capable of communicating with such financial institution, wire transfers, and automated clearinghouse
<br />transfers.
<br />(K) "Electronic Signature" means an "Electronic Signature" as defined in the UETA or E-SIGN, as applicable.
<br />(L) "E-SIGN" means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.), as it
<br />may be amended from time to time, or any applicable additional or successor legislation that governs the same subject
<br />matter.
<br />NEBRASKA-Single Family-Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
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