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�� <br />�� <br />�� <br />e � <br />� .�.. <br />N �� <br />0 �� <br />�� <br />W � <br />� <br />� <br />�� <br />� <br />�� <br />� <br />�� <br />���i <br />� <br />� <br />.� <br />d <br />� <br />� <br />C <br />� � <br />��.o <br />R <br />� ; <br />�. .�: <br />I, <br />r ; <br />s� � <br />�. <br />After Recording Return To: <br />HERITAGE BANK <br />315 W. 60TH STREET, SUITE 100 <br />KEARNEY, NEBRASKA 68847 <br />Loan Number: 07-1668 <br />DEFINITIONS <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />S <br />a <br />r <br />r <br />c'� <br />0 <br />� <br />ri <br />c� <br />� <br />-., <br />rn <br />� <br />0 <br />-,� <br />v - <br />m <br />rri <br />v <br />� <br />r� <br />c� <br />.-� <br />v <br />-*� <br />rn <br />Ci7 <br />N <br />� <br />� <br />� <br />N <br />c� <br />(7� <br />Words used in multiple sections of this document are defined below and other words aze defined in Sections 3, 11, <br />13, 18, 20 and 21. Certain rules regazding 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 10 , 2 012 , together <br />with all Riders to this document. <br />(B) "Borrower" is RICHARD BRUCE KOEFOOT, JR. , A SINGLE PERSON <br />Borrower 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, NEBRASKA <br />68847 • <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is WEST GATE BANK <br />6003 OLD CHENEY ROAD, LINCOLN, NEBRASKA 68516 . <br />(E) "Note" means the promissory note signed by Bonower and dated FEBRUAR.Y 10 , 2 012 . <br />The Note states that Borrower owes Lender TWO HUNDRED THIRTY-ONE THOUSAND FOUR <br />HLTNDRED TWENTY AND 0 0/ 10 0 Dollazs (U.S. $ 2 31, 4 2 0. 0 0 ) <br />plus interest. Borrower 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 2 7 . <br />(F) "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 />(� "Riders" means all Riders to this Security Instrument that are 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 />@ -i <br />C � <br />�m <br />-� <br />"'� O <br />o '� <br />� Z <br />= rn <br />D � <br />r � <br />r n <br />� <br />� � <br />� <br />� <br />DodYlag/c � <br />www.docmagic.com <br />tV <br />0 <br />F—� <br />4�D <br />O <br />� <br />..L <br />W <br />CO <br />Ll <br />� <br />s. <br />,. <br />i <br />�� � <br />Ne3Q28.dot.xml <br />