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<br /> DFED OF TRUST X11!
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<br />-- DEFINITIONS c
<br /> a
<br /> Words used in multiple sections of this document are defined b®[^w and other words are defined in Sections 3, 11, 13, 18, 20 and 21.
<br /> Certain rules regarding the usage of words used in this document era also provided in Section 1 B,
<br />(A) "Security Instrument" means this document, which is dated S E P T E M e E R 21 , 2 0 0 9 ,together with all Riders to this
<br />document.
<br />(B)"borrower°is DOROTHY L ENCK, A SINGLE PERSON, TODD C ENCK AND KELLY A ENCK, AS HU88AND AND WIFE
<br />borrower Is the truslvr under this Security Instrument.
<br />(C)"Lender"is PLATTE VALLEY STATE BANK & TRUST CD Lenderisa
<br />organize an existing un er i e awe ^ 7ryE STATE DF _ __
<br />en e s a rase is
<br />en er Is the ene Iclary under
<br />t Is ecurlty nstrument.
<br />(D)"Trustee"is PLATTE VALLEY STATE BANK & TRUST CO.
<br />2223 SECOND AVENUE. K~ARNEY NE 68847 - __
<br />(E) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 2 1 2 P 0 9 The Nate states that
<br />6orrawer owes Lender T W D HUNDRED FORTY T
<br />Dollars . 0 pus Interest,
<br />rrower as promise to pay t Is e t n regu ar eno Ic ayments and To pay the de m u nv afar an
<br />DCT08ER 7 20111
<br />(1=) "Property" means the property that is described below ender 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 Note, and
<br />all sums due undarthis Security Instrument, plus interest.
<br />~H) "Hiders" means all Riders to this Security Instrument that are executed by Harrower. Tha following Riders are to be executed by
<br />orrower [check box as applicable]:
<br />^AdJustable Rata Rider ^Condominium Rider ^5econd Nome Rider
<br />^ balloon Rider ^ Planned Unit Development Rider ^ Other(s) [specify]
<br />^ ~-4 Family Rider ^ Biweekly Payment Rider
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative
<br />rules and orders (that have the aNect of law) as well as all applicable final, non-appealable judicial opinions.
<br />(J) "Community AssoClatlon Duas, Fees and Assessments" means all dues, fees, assessments and other charges that are
<br />Imppsed vn Borrower or the Property by a condominium association, homeowners association or similar organisation.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, comp~~ar, or magnetic tape so as tc order,
<br />instruct, or authorize a financial institution to debit or credR an account. Such term includes, but Is not limited to, point-of-sale
<br />transfers, automated teller machine transactions, transfers Initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(L) "Escrow Items" means those Items that are described in Section 3.
<br />M) "MISCellanlaous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property;
<br />ii) condemnation or other taking of all or any part of the Property; (iii) conveyance In lieu of condemnation; yr (fv) misrepresentations
<br />of, or omissions as to, the value and/or con Itlon of the Property.
<br />(N) "Morkgage Insurance" means insurance protecting Lender against the nonpayment vf, or defeuft vn, the Loan.
<br />(O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under Section 3 of this Securky Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its Implementing regulation,
<br />R®gulation X (24 C.F.R. Part 8500), as they might be amended from time to time, or an additional or successor legislation or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA° refers to all requirements and
<br />restrictions that are imposed In regard to a "federally related mortgage loan" even If the Loan does not qual'rfy as a'Yederally related
<br />mortgage loan" under RESPA.
<br />(Q) "Suceesstar in Interest of Borrower" means any partyy that has taken tRle to the Property, whether or not chat perry has
<br />assumed Borrowers obligations under the Note and/or this Sevurity Instrument.
<br />AFTER RECgRQINQ RETURN To:
<br />PLATTE VALLEY STATE BANK & TRUST CD
<br />MORTGAGE LOAN DEPARTMENT
<br />2223 SECOND AVE
<br />KEARNEY. NE 66847
<br />NEBIIASKA~Ingle Pee,lly-rinnie MedF'eddle Mee IJNIPOFM IN&TgIJMENT
<br />3018 N[ p07 1N7 PP1
<br />Fwm H019 1101 tvea~ 1 0! 7 p°pae)
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