Almena State Bank v. Enfield

Lewis, J.:

The Almena State Bank (Bank) appeals the trial court’s grant of summary judgment in favor of the defendants (the Enfields). The Enfields cross-appeal from one portion of the court’s judgment.

In the early 1990’s, the Bank made a loan of $148,000 to the Enfields. The loan was to be repaid over 15 years at a 9.5% interest rate. The Enfields signed a note with the Bank along with a mortgage giving to the Bank a mortgage on certain real estate to secure the loan.

The note signed by the Enfields was a preprinted form in which under “Additional Terms” the Bank officer typed in “Borrower…