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� <br />- <br />� <br />0 � <br />� � <br />N � <br />0 - <br />e <br />� <br />� � <br />� <br />- <br />- <br />�� <br />WJ <br />. <br />� <br />� <br />p <br />`: =i <br />�.: .,, <br />; r:, <br />i <br />4 <br />� <br />� <br />� <br />� <br />� <br />S' . <br />� <br />� <br />Z <br />m <br />� <br />r <br />� <br />0 <br />� � <br />m <br />� <br />� <br />- � <br />rn <br />� <br />O � <br />"�'1 <br />Q <br />f'rl <br />P+1 � <br />O <br />N <br />After Recording Return To: <br />HERITAGE BANK <br />315 W. 60TH STREET, SUITE 100 <br />KEARNEY, NEBRASKA 68847 <br />Loan Number: 07-1677 <br />DEED OF TRUST <br />DEFINITIONS <br />�r.a <br />w� K'� GJ> <br />`v CiD --�i <br />� C D <br />rn z ` <br />� �m <br />`� o <br />CO <br />-� <br />� <br />C.J <br />1 <br />�1 <br />o - *i <br />� _ <br />s rn <br />D � <br />r � <br />r n <br />N <br />v �� <br />C/7 <br />CY� <br />f V' <br />0 <br />N <br />N <br />d <br />F-+ <br />0 <br />� <br />�r <br />.��• �D <br />Words used in multiple sections of this document aze defined below and other words are defined in Sections 3, 11, <br />13, 18, 20 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 FEBRUARY 3, 2 012 , together <br />with a11 Riders to this document. <br />(B) "Borrower" is PATRICK D. BROWN AND R.ACHEL L. BROWN, HUSBAND AND <br />WIFE, AS JOINT TENANTS <br />Bonower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a NEBRASKA CORPORATION organized <br />and existing under the laws of NEBRASKA • <br />Lender's address is 315 W. 60TH STREET, SUITE 100, KEARNEY, NEBR.ASKA <br />68847 • <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trust�" is US BANK NA <br />PO BOX 20005, OWENSBORO, KENTUCKY 42304-0005 . <br />(E) "Note" means the promissory note signed by Bonower and dated FEBRUAR.Y 3, 2 012 . <br />The Note states that Borrower owes Lender ONE HiJNDRED THIRTY-THREE THOUSAND <br />NINE HUNDRED NINETY AND 0 0/ 10 0 Dollars (U.S. $ 13 3, 9 9 0. 0 0 ) <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 MARCH 1, 2 0 4 2 . <br />(1� "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 charges 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 are executed by Borrower. The following Riders aze <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 />[Space Above This Line For Recording Data1 <br />� Planned Unit Development Rider <br />� Biweekly Payment Rider <br />� Second Home Rider <br />� Other(s) [specify] <br />(n "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances and <br />administ�ative 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/ 1 � � Page 1 of 11 <br />11�1 J VI _ ` <br />ry�_i � ���� <br />DocMag/c � <br />www, docmagic. com <br />Ne3028.dot.unl <br />