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<br />DEED OF TRUST
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<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections ofthis document are defined below and other words are defined in Sections 3, 11,13,18,20
<br />and 21. 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 February 14th ,2008 , together with
<br />all Riders to this document.
<br />(B) "Borrower" is Todd J. MacPherson and Heidi R. MacPherson, husband and wife as joint tenants
<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 of the State of Nebraska
<br />Lender's address is 210 E 23rd St PO Box 1585 Columbus, NE 68601
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" isTierOne Bank P.O. Box 83009 Lincoln, NE 68501-3009
<br />
<br />. Lender
<br />
<br />(E) "Note" means the promissory note signed by Borrower and dated February 14th 2008 . The Note
<br />states that Borrower owes Lender One Hundred Forty Nine Thousand Nine Hundred and 00/100
<br />Dollars (U .S. $149.900.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1,2038
<br />(F) "Property" means the property that 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 applicable];
<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 Association 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-sale 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 ofall or any part ofthe Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition ofthe Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />
<br />NEBRASKA-Single Family-Fannie MaeIFreddie Mae UNIFORM INSTRUMENT
<br />9754,CV (1/05) 4300100793
<br />
<br />Form 3028 1/01 (page 1 of 8 pages)
<br />Creative Thinking, Inc.
<br />
<br />GOTO(OO 180682)
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