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<br />DEED OF TRUST
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<br />DEFINITIONS C-.
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 \°
<br />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 09 ;05.2000 . . ... . .... . ..... . ... . ... . .... . . . . . . .... . . . . . . . . . together
<br />with all Riders to this document.
<br />(B) "Borrower" is Mark Engelker,,A Single Person ....................................................................... ...............................
<br />................................. ...............................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is ......... ............................... Heritage Bank.......................... , ..... ............................... Lender is a
<br />Ger ge( a? iQ9 .............................................................. ............................... organized and existing under the laws of
<br />? llmlitRef. Nebraska ............................ ............................... Lender's address is 110East,91hStreet P.O.Box487 Wood, River,.,,,
<br />NE. 6.8.883 . .... . ................. . . . . . . . . .. . .. . .. . . . . . ............................ Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is Commercial, Federal Bank A federal Savings, Bank 450. Regency, Parkyvay, Omaha, NE, 68114 . . . . . . . . . . . . . . . . . . . . ......................... .
<br />(E) "Note" means the promissory note signed by Borrower and dated 09.05.2000 The
<br />Note states that Borrower owes Lender thirty or[e tboys and, nige hgn[dred @P0.091109 ..... . . . . . . .. . . .. . ... . . . . . . . . . . . . . . ............................. .
<br />.................. ............................... Dollars (U.S. $ 3),900,00 .. , _ , .................. .) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than ....................10.01:2030
<br />.....................
<br />........................................................................................................................ ............................... .
<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 the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be
<br />executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] .......................
<br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider
<br />(I) "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 opinions.
<br />Q) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />im osed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K� "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to
<br />order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and /or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation
<br />or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all requirements
<br />and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a
<br />"federally related mortgage loan" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Note and /or this Security Instrument.
<br />TRANSFER OF RIGHTS IN THE PROPERTY
<br />This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of
<br />the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
<br />this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br />propertylocated in the .......................... ............................... County .......................... ............................... of
<br />[Type of Recording Jurisdiction]
<br />Hall
<br />............................................................. ..............................:
<br />[Name of Recording Jurisdiction]
<br />Lot Fourteen (14) excepting East Thirty Five (E35') feet thereof and All of Lot Thirteen (13), Block Twelve (12), Brett and Johnson's Addition to the Village of Wood River,
<br />Hall County, Nebraska
<br />which currently has the address of ............... ............................... 610.EA$1 11th. 3T................................................
<br />[Street]
<br />....... .....................Weed.Rivef ...........................I Nebraska .................... Q08V................... ("Property Address "):
<br />[City] [Zip Code] Form 3028 3/99
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT 1111111111111111111111111111111 Bankers Systems, Inc., St. Cloud, MN Form MD -1 -NE 2/17/2000 M
<br />ref: 7/2000 (page 1 of 7 pages) J B 2 A 0
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