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<br />Lincoln Federal Savings Bank
<br />1002 South Dewey
<br />North Platte, NE 69101
<br />(308) 534-3850
<br />
<br />
<br />lSpace Above This Line For Recording Data)
<br />
<br />DEED OF TRUST
<br />
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<br />
<br />~IN: 100328800012587560
<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections ofthis document are defined below and other words arc defined in Sections 3, II, 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 January 9th
<br />all Riders to this document.
<br />(B) "Borrower" is Gregory A Pokorney and Jennifer K Pokorney, husband and wife
<br />
<br />2009 , together with
<br />
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Lincoln Federal Savin2s Bank
<br />is a Corporation organized and existing under the laws ofthe State of
<br />Lender's address isl002 South Dewey North Platte, NE 69101
<br />(D) "Trustee" is Lincoln Federal Savings Bank 1101 N Street Lincoln, NE 68508
<br />
<br />. Lender
<br />
<br />(E) "~ERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
<br />nominee for Lender and Lender's successors and assigns. ~ERS is the beneficiary under this Security Instrument.
<br />MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated January 9th , 2009 . The Note
<br />states that Borrower owes LenderOne Hundred Ei2hty Thousand and 00/100
<br />Dollars (U .S. $ 180,000.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2039
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "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 />(1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to bc
<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 />(J) "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 />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other char~es that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar orgamzation.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated throu&h an electronic terminal, telephonic instrument, computer, or ma~netic tape so as
<br />to order, instr4ct, or authorize a financial mstitution to debit or credit an account. Such term includes, but IS not limited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automatcd
<br />clearinghouse transfers.
<br />(~) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" mcans any compensation, settlement, award of damages, or proceeds paid byanythirdF.arty
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction 0, the
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveYdllce m lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) princlpal and interest undcr the Note, plus (ii)
<br />any amounts under Section 3 of this Security Instrument.
<br />
<br />NEBRASKA--Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />12439.CV (11/07) 04-1123
<br />
<br />(MERS)
<br />
<br />Form 3028 1/01 (page I 0/8 pages)
<br />Creative Thinking, Inc.
<br />
<br />GOTO(00135d3o)
<br />
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