|
DEFINITIONS 200010544
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<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 December.. 000 .............................I together
<br />with all Riders to this document.
<br />(B) "Borrower" is MIC.=. L..HINRIKUS and . HEATHER. A .HINRIKUS., ..HUSBAND .AND . WIFE
<br />.................. . .............................
<br />................................... ...............................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is �ITAGE BANK
<br />................................................................ ............................... Lender is a
<br />A . NEBRASKA . C17RPORATION ................................ ............................... organized and existing under the laws of
<br />the state of Nebraska Lender's address is 1101..12TH STREET P . O .
<br />.............................................. ............................... ....... ...............................
<br />BOX 329, AURORA, NE 68818 ............ . . . . . . . . . . . . . . Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is C CIAL.FEDERAL.)3W,..450..REG NC'Y PAR1,3,aY, OMAHA, NE 68114
<br />(E) "Note" means the promissory note signed by Borrower and dated . December .1.,...2 - 000 ..... . ................... . . . . .. The
<br />Note states that Borrower owes Lender .FIFTY ONE THOUSAND and NO:100* .. *
<br />................................................ ...............................
<br />* * * * * * * * * * * * *.... Dollars (U.S. $ .5 000: 00 .................) plus interest. Borrower has promised to
<br />.............. ...............................
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1 2030
<br />........................................................................................................................ I.............................. .
<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 />(I) "Riders" means all riders to this Securit Instrument that are executed by Borrower. The following riders are to be
<br />executed by Borrower [check box as applicableJ -
<br />El 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 />(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 />(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 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 CC�LINI' Y .......................... ............................... ........................ ....................... of
<br />[Type of Recording Jurisdiction]
<br />HALL, ...... VTY ........................................ ............................... :
<br />[Name of Recording Jurisdiction]
<br />THE WEST SIXTY FEET' (W60') OF LOT TWO (2), BLOCK SEVEN (7), ORIGINAL 'TOWN OF
<br />DONIPHAN, HALL COUNTY, NEBRASKA
<br />which currently has the address of .193.Y ... - 7 ... ............................... ....................... ............................... .
<br />[Street)
<br />DO NIPHAN ..................... ............................... Nebraska ....... 68832 ............................. („Property Address "):
<br />[City] [Zip Code] Form 3028 3/99
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT 11111111111111111111111111111 Bankers Systems, Inc., St. Cloud, MN Form MD -1 -NE 2/17/2000 „��// .� Al� ref: 7 /2000 (page 1 of7pages) �/�,/L/= J B 2 A 0
<br />M
<br />t1
<br />n
<br />Z
<br />M
<br />W
<br />[�!)
<br />\ '
<br />�y
<br />C A
<br />O
<br />a
<br />n
<br />=
<br />• •
<br />t�)
<br />z .{
<br />N
<br />CL
<br />M
<br />C77)
<br />O
<br />'01
<br />c�4�
<br />--C
<br />o
<br />y
<br />O '*1
<br />O
<br />CI1
<br />O
<br />1
<br />}
<br />co
<br />m
<br />r— `v
<br />O
<br />cG
<br />O
<br />N
<br />N
<br />—C
<br />Cr)
<br />DEFINITIONS 200010544
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<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 December.. 000 .............................I together
<br />with all Riders to this document.
<br />(B) "Borrower" is MIC.=. L..HINRIKUS and . HEATHER. A .HINRIKUS., ..HUSBAND .AND . WIFE
<br />.................. . .............................
<br />................................... ...............................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is �ITAGE BANK
<br />................................................................ ............................... Lender is a
<br />A . NEBRASKA . C17RPORATION ................................ ............................... organized and existing under the laws of
<br />the state of Nebraska Lender's address is 1101..12TH STREET P . O .
<br />.............................................. ............................... ....... ...............................
<br />BOX 329, AURORA, NE 68818 ............ . . . . . . . . . . . . . . Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is C CIAL.FEDERAL.)3W,..450..REG NC'Y PAR1,3,aY, OMAHA, NE 68114
<br />(E) "Note" means the promissory note signed by Borrower and dated . December .1.,...2 - 000 ..... . ................... . . . . .. The
<br />Note states that Borrower owes Lender .FIFTY ONE THOUSAND and NO:100* .. *
<br />................................................ ...............................
<br />* * * * * * * * * * * * *.... Dollars (U.S. $ .5 000: 00 .................) plus interest. Borrower has promised to
<br />.............. ...............................
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1 2030
<br />........................................................................................................................ I.............................. .
<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 />(I) "Riders" means all riders to this Securit Instrument that are executed by Borrower. The following riders are to be
<br />executed by Borrower [check box as applicableJ -
<br />El 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 />(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 />(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 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 CC�LINI' Y .......................... ............................... ........................ ....................... of
<br />[Type of Recording Jurisdiction]
<br />HALL, ...... VTY ........................................ ............................... :
<br />[Name of Recording Jurisdiction]
<br />THE WEST SIXTY FEET' (W60') OF LOT TWO (2), BLOCK SEVEN (7), ORIGINAL 'TOWN OF
<br />DONIPHAN, HALL COUNTY, NEBRASKA
<br />which currently has the address of .193.Y ... - 7 ... ............................... ....................... ............................... .
<br />[Street)
<br />DO NIPHAN ..................... ............................... Nebraska ....... 68832 ............................. („Property Address "):
<br />[City] [Zip Code] Form 3028 3/99
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT 11111111111111111111111111111 Bankers Systems, Inc., St. Cloud, MN Form MD -1 -NE 2/17/2000 „��// .� Al� ref: 7 /2000 (page 1 of7pages) �/�,/L/= J B 2 A 0
<br />
|