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<br />[Space Above This Line
<br />For Recording Data]
<br />DEED OF
<br />TRUST
<br />DEFINITIONS V
<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 October 6 , 2 00 0 ............. . ....... . . . ...... . . together
<br />with all Riders to this document.
<br />(B) "Borrower" is BRIAN..L,, , IMOK , and . JEAN . L:. COOK,. , HUSBAND. AMID. WIFE... .
<br />........ ...............................
<br />................................... ...............................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK ............................................................. ............................... Lender is a
<br />CORPORATION .............. organized and existing under the laws of
<br />.................................... ...............................
<br />the United States of America . ,
<br />...... , Lender's address is 110 E ; 9TH, WOOD RIVER,
<br />NE 68883 Lender is the beneficiary under th
<br />. ............... is Security Instrument.
<br />(D) "Trustee" is B=TAGE BANK, ..110 . E.. 9TH . STREET. , . WOOD . RIVER, NE 68883
<br />............. ............................... .
<br />(E) "Note" means the promissory note signed by Borrower and dated .October 6, 2 0 0 0 . . ............ . . . . . . . . . . . . . .. . . . . . The
<br />Note states that Borrower owes Lender .THIRTY THREE THOUSAND FIVE H=RED, and. NOI100*
<br />* * *
<br />.................. ............................... Dollars (U.S. $ .a3.,500 ...................... ) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than October 6, 2P05 ...... . . . . . . . . . . . . . . . .. .
<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 />(W "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 />Z 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 />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(I0 "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 />or(ler, 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 />(11� "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(o er 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 Securit 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 anyy 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 HpT: T :.................................................................................. ............................... of
<br />[Type of Recording Jurisdiction]
<br />.COUNTY
<br />............................................................ ..............................:
<br />[Name of Recording Jurisdiction]
<br />LOT TWO (2), DODD AND NARSHAL,L'S SECOND ADDITION, IN THE CITY OF WOOD RIVER, HALL
<br />COL11\]rI'Y, NEBRASKA
<br />which currently has the address of .412..W,. 13TH STREET
<br />................................................................ ...............................
<br />[Street]
<br />.WOOD. RIVER ............................................... , Nebraska ....... 68883... ....... ( "Property Address "):
<br />[City] [Zip Code] Form 3028 3/99
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
<br />Bankers Systems, Inc., St. Cloud, MN Form MD -1 -NE 2/17/2000
<br />ref: 7 /2000 (page I of 7pages) J B 2 A 0
<br />
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