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<br />WHEN RECORDED MAIL TO:
<br />Comerstone Bank
<br />Central Ctty Faci�ity
<br />1631 16th Stre 't
<br />Centrel City, NE� 68826-1815
<br />DEED OF TRUST
<br />DEFINITIONS
<br />Words used in multip e sections of this document are defined below and other words are defined in Sec ions 3, 11, 13,
<br />18, 20 and 21. Cert in rules regarding the usege of words used in this document ere also provided in S ction 16,
<br />(A) "Security Instru ent" means this document, which is dated November 12, 2011, together with II Riders to this
<br />document.
<br />(B) "Borrower" is S ott C Manchester and Amy S Menchester; Husbend and Wife. Borrower is the t uator under this
<br />Security Instrument.
<br />(C) "Lender° is C rnerstone Bank. Lender is e Corporation orgenized and existing under the la s of Nebraske.
<br />Lender's address is entral City Facility, 1631 16th Street, Central City, NE 68826-1815. Lender i the beneficiary
<br />under this Security In trument.
<br />(D) "Trustea° is WE T GATE BANK.
<br />(E) "Note" means he promissory note signed by Borrower and dated November 12, 2011. The ote states that
<br />Borrower owes Lender Sixty-nine Thousand Five Hundred & 00/100 Dollars (U.S. 569,500.00) plus int rest. Borrower
<br />has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than Dec mber 1, 2041.
<br />(F) °Propertyr° means the property that Is described below under 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 ch rgea due under
<br />the Note, and all sum due under this Securlty Instrument, plus interest.
<br />(H) "Riders" means�ll Riders to this Security Instrument thet ere executed by Borrower. The followi�g Riders ere to
<br />be executed by Borro er [check box as applicablel:
<br />� Adjustable Rate Rider
<br />� Balloon Rider
<br />� 1-4 Family Ride
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<br />[Space Above This Line For Recording Data]
<br />� Condominium Rider � Second Home
<br />� Planned Unit Development Rider � Other(s) [spec
<br />� Biweekly Payment Rider
<br />p) "Appltcable La " means all controlling applicable federal, stete and local statutes, regulations, I ordinances and
<br />edministrative rules nd orders (thet have the effect of law) as well as all epplicable final, non-appealable judiciel
<br />opinions.
<br />lJ) "Community As ociadon Dues, Fees, and Assessments" meens all dues, fees, assessmants and other charges that
<br />are imposed on Bo rower or the Property by a condominium association, homeowners assocfation or similar
<br />organizetion.
<br />(K) "Electronic Fun s Trensfer" means any transfer of funds, other than a transaction originated by check, draft, or
<br />similar paper instrum nt, which is initiated through an electronic terminal, telephonlc instrument, computer, or magnetic
<br />tape so as to order, i struct, or authorize a financial institution to debit or credit an eccount. Such term includes, but is
<br />not limited to, point�of-sale transfers, automated teller machine transactions, transfers initieted by telephone, wire
<br />transfers, and eutom�ted clearinghouse transfers.
<br />(L) "Escrow Items" �neans those items that are described in Section 3.
<br />(M) "Miscellaneous hroceeds° means any compensation, settlement, award of damages, or proceeds paid by any third
<br />party (other than insurance proceeds paid under the covereges described in Section 5) for: (i) damage to, or destruction
<br />of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of
<br />condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(N) "Mortgega Insur�ance° means insurance protecting Lender against the nonpayment of, or default on, the Loen.
<br />(0) "Periodic Payme'nt" means the regulerly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br />eny amounts under S�ction 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its impiementing
<br />regulation, Reguletio X(24 C.F.R. Pert 3b00), as they might be amended from time to time, or any additional or
<br />successor legislation r regulation that governs the same subject matter. As used in this Security Instrument, "RESPA"
<br />refers to all �equirem nts and restrictions that ere imposed in regard to a"federally related mortgage foan" even if the
<br />Loan does not qualify as a"federelly releted mortgage loen" under RESPA.
<br />(a) "Successor in 1 terest of Borrawer" means any perry that has taken title to the Property, whether or not that perty
<br />hes assumed Borrow�r's obligations under the Note and/or this Security Instrument.
<br />TRANSFER OF
<br />NEBRASKA-Single
<br />IN THE PROPERTY
<br />Mae/Freddie Mec UNIFORM INSTRUMENT
<br />Page 1 of 7
<br />Form 3028 7 /01
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