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<br />[Space Above This Line For Recording Data]
<br />DEFINITIONS
<br />DEED OF TRUST MIN:100952400030431835
<br />Words used in multiple sections of this document are defined below and other words aze defined in Sections 3,11,13,18, 20
<br />and 21. Certain rules regarding the usage ofwords used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated July l lth , 2011 , togetherwith
<br />all Riders to this document.
<br />(B) uBorrower" is �chard L Ostdiek and Amy S Ostdiek, as husband and wife
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Pinnacle Bank . Lender
<br />is a Corporation organized and existing under the laws of the State of Nebraska
<br />Lender's address is 320 G Street Central City, NE 68826
<br />(D) "Trustee" isP�nacle Bank 320 G Street Central City, NE 68826
<br />(E) "MERS" 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 Security Instrumen�
<br />MERS is organized and e�cisting 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 />(I� "Note" means the promissory note signed by Bonower and dated July l lth , 2011 . The Note
<br />states that Borrower owes Lender One Hundred Ninetv Two Thousand and 00/100
<br />Dollars (U.S. $192,000.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2041
<br />(G) "Property" means the properiy 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 />(I) uRiders" means all Riders to this Security Instrument that are executed by Borrower. T'he following Riders are to be
<br />executed by Borrower [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 />( "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />a�inistrative rules and orders (that have the effect oflaw) 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 />unposed 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 ch�k, di�aft, or similaz
<br />paper instrument, 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 limited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid byanythird party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) dama�e to, or destruction o� the
<br />Properiy; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance ui lieu of condemnation; or
<br />(iv) misrepresentations o� or omissions as to, the value and/or condition ofthe Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the non�ayment of, or default on, the Loan.
<br />(P) G°Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 of this Secunty Insmiment.
<br />NEBRASKA—Single Family—Faunie Mae/FreddIe Mac UNIFORM INSTRUMENT (MERS) Form 3028 1/Ol (page 1 of 8 pages)
<br />12439.CV (11/0� 6899056340 Creative Thinking, Inc.
<br />GOTO(002ffi64)
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