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- <br />�� <br />N � <br />0 �� <br />� � <br />N �� <br />B � <br />B <br />cn <br />� � <br />� - <br />� <br />�� <br />�,After Recording Return To: <br />HERITAGE BANK <br />PO BOX 84, 821 2ND STREET <br />ST. PAUL, NEBRASKA 68873 <br />Loan Number: 10-1646 <br />N <br />� <br />� � <br />�� � <br />1 <br />i <br />; <br />i <br />C p' <br />�rn <br />--1 <br />� O <br />O �'1 <br />T Z <br />= rn <br />D � <br />r � <br />r n <br />� <br />� <br />n <br />� <br />� <br />201200567 <br />N <br />O <br />N <br />t'V � <br />O � <br />O � cn <br />rn <br />-.� <br />� <br />�a �� <br />DEFINITIONS <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />Words used in multiple sections of this document aze defined below and other words aze defined in Sections 3, 11, <br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document aze also provided in Section 16. <br />(A) "Securdty Instrument" means this document, which is dated JANUARY 13 , 2 012 , together <br />with all Riders to this document. <br />(B) "Borrower" is BRIAN O LAUB AND JANEL L LAUB, HUSBAND AND WIFE AS <br />JOINT TEN.ANTS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a NEBRA.SKA CORPORATION organized <br />and eacisting under the laws of NEBRASKA � <br />Lender's address is PO BOX 84, 821 2ND STREET, ST. PAUL, NEBRASKA 68873 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is WEST GATE BANK <br />(E) "Note" means the promissory note signed by Bonower and dated JANUAR.Y 13 , 2 012 . <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY-SEVEN THOUSAND <br />AND 00/100 Dollazs (U.S. $ 127, 000 . 00 ) <br />plus interest. Bonower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later <br />than FEBRUAR.Y 1, 2 0 2 7 . <br />(� "Property" 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 chazges due under <br />the Note, and all sums due under this Security Instrument, plus interest. <br />(I� "Riders" means all Riders to this Security Instrument that aze executed by Bonower. The following Riders are <br />to be executed by Borrower [check box as applicable]: <br />� Adjustable Rate Rider <br />� Balloon Rider <br />� 1-4 Family Rider <br />� Condominium Rider <br />� Planned Unit Development Rider <br />� Biweekly Payment Rider <br />� Second Home Rider <br />� Other(s) [specify] <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 judicial <br />opinions. <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 1 of 11 <br />H�ozs.aoc.�w <br />rv <br />C� <br />p � � �V <br />a� � �.. <br />� � � l, � <br />� <br />o N <br />� W <br />m <br />c� <br />� � <br />, � � <br />:TJ <br />� � �� <br />� ` r-• <br />r*i � <br />N . <br />�� <br />�odYlag/c � <br />www. docmaglc. com <br />�� <br />l <br />