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<br />[5pace Above This Line For Recording Data]
<br />DEED OF TRUST MIN:100815200007640690
<br />DEFINITIONS
<br />Words used in multiple sections ofthis document aze defined below and other words are defined in Sections 3,11,13,18, 20
<br />and 21. Certain rules regazding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated June 17th , 2011 , togetherwith
<br />all Riders to this document.
<br />(B) "Borrower" is Joseph A. Krolikowski and Carina K. Krolikowski, husband and wife
<br />Bonower is the trustor under this Security Instrument.
<br />(C) "Lender" is Farmers and Merchants Bank . Lender
<br />is aCorporation organized and existing underthe laws of the State of Nebraska
<br />Lender's address is 3015 2nd Avenue Kearney, NE 68847
<br />(D) "Trustee" is Farmers and Merchants Bank 617 First Street Box E MILFORD, NE 68405
<br />(E) °GMERS" 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. MERS is the beneficiary under this 5ecurity Instrument.
<br />MERS is organized and existing under the laws of Delawaze, and has an address and telephone number of P,O. Box 2026,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(1� ��Note" means the promissory note signed by Bonower and dated June 17th , 2011 , The Note
<br />states that Bonower owes Lender One Hundred Forty Thousand and 00/100
<br />Dollars (U.S. $140,000.00 ) plus interesk Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1, 2041
<br />(G) °GProperty" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(I� �°Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(n °°Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Bonower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] _
<br />❑ 1-4 Family Rider ❑ Biweekly Payment Rider
<br />(.n °°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�udicial 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 organ�zation.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, drait, or similar
<br />paper instnzment, which is initiated throu�h an electronic terminal, telephonic instrument, computer, or ma�netic tape so as
<br />to order, instruct, or authorize a financial mstitution to debit or credit an account. Such term includes, but is not limrted to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />cleazinghouse transfers.
<br />(1Vn °GEscrow Items" means those items that are described in Section 3.
<br />(N) °GMiscellaneous Proceeds" means any compensation, settlement, award of damages, orproceeds paid byanythird party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) dama�e to, or destructton of, the
<br />Properiy; (ii) condemnation or other taking of all or any part of the Property,�(iii) conveyance m lieu of condemnation; or
<br />(iv) mtsrepresentations of, or omissions as to, the value and/or condition ofthe 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) princ�pal and interest under the Note, plus (ii)
<br />any amounts under Section 3 of this Security Instrument.
<br />NEBRASKA-Single Family-Fanaie Mae/Freddie Mac LJNIFORM INSTRUMENT (MERS) Form 3028 1/01 (page I of 8 pages)
<br />12439.CV (1/08) K1149GMAC Creative Thinking, Inc.
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