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<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST MIN: 100052217013740415
<br />DEFINITIONS
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<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 />(A) "Security Instrument" means this document, which is dated July 29th , 2011 ,�g�� ��
<br />all Riders to this document.
<br />(B) G°Borrower" is Bradley D Springer and Michelle J Springer, as husband and wife
<br />Bonower 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 Z10 E 23rd St PO Box 1585 Columbus, NE 68601
<br />(D) °�Trustee" isP�nnacle Bank 210 E 23rd St PO Box 1585 Columbus, NE 68601
<br />(E) °LMERS" 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 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, MI48501-2026, tel. (888) 679-MERS.
<br />(F� "Note" means the promissory note signed by Borrower and dated July 29th , 2011 . The Note
<br />states that Borrower owes Lender Two Hundred Thousand and 00/100
<br />Dollars (U.S. $Z00,000.00 ) 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) °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 charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. T'he 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 />❑ 1-4FamilyRider ❑ BiweeklyPaymentRider
<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 of law) 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 organ�zation.
<br />(L) °�Electronic Funds Transfer" means anytransfer offunds, other than a transaction originated bycheck, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or ma�netic tape so as
<br />to order, instruct, or authorize a financial u�stitution 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 />clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award ofdamages, or proceeds paid byanythird arty
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) dama�e to, or destruction o� the
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance 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 I.ender against the nonpayment o� or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 ofthis Security Instrument.
<br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac iINIFORM INSTRUMENT (MERS) Form 3028 1/Ol (page I of8 pages)
<br />12439.CV (11/07) 4300102395 Creative Thinking, Inc.
<br />GOTO(00306110)
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