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<br />
<br />DEED OF TRUST
<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections oflhis document are defmed below and other words are defined in Sections 3, I 1,13, ]~, 20
<br />and 2]. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />
<br />(A) "Security Instrument" means this document, which is dated, ' October 25th
<br />all Riders to this document.
<br />(B) "Borrower" is ~_~~l\,t??n~' Simmons and Michele T.. Slmmo,,-.,~s_~usbond and wife
<br />
<br />_ , _ 2007 ,together with
<br />
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Pinnacle Bank
<br />is a bank '.. _ ~___ organized and existing under the laws ofthe State of NelJraska
<br />Lender's address is320 G ~!,:e~t,_Central City, NE 68826
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" isTierOIl~.,~_a~k P.O. Box 83009 Lincoln, N~ _~~?9]-3009
<br />
<br />, Lender
<br />
<br />(E) "Note" means the promissory note signed by Borrower and dated Octob",r 25th ~ The Note
<br />states that Borrower owes LenderOne Hun,t!.r.,,!! Fifty Thousand One Hundred ~,e\,~ntv and 00/100
<br />_______ Dollars (U.S _ $150,170.00_ ,. ,_~ plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than __ N,!,_vember 1, 2037
<br />(F) "Property" means the property thaI is described below under the heading "Transfer of Rights in the Property,"
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicahle]:
<br />
<br />o Adjustable Rate Rider
<br />o Balloon Rider
<br />o 1-4 Family Rider
<br />
<br />o Condominium Rider
<br />o Planned Unit Development Rider
<br />o Biweekly Payment Rider
<br />
<br />o Second Home Rider
<br />o Other(s} [specify]
<br />
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect oflaw) as well as all applicable final, non-appealable judicial opinions_
<br />(J) "Community Associatiop Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association Or similar organization,
<br />(K) "Electronic Funds 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 tape
<br />so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited
<br />to, point-of-saIe transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and
<br />automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3,
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of,
<br />the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition of the Property_
<br />(N) "Mortgol(c Insurance" means insurance protecting Lender against the nonpayment of, Or default on, the Loan,
<br />
<br />NEBRASKA..Singlc Family-fannle Mae/Freddie Mac UNlfOR1VI I:O;STRUMENT
<br />9754,CV (1105) 6898555040
<br />
<br />I'or1ll30Z8 1/01 ([!agel ~r8 pages)
<br />Creative Thinking, Inc.
<br />
<br />GOTO(OOI68,..)
<br />
<br />1\4Ll~ 10f14'l~
<br />
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