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X M rn C Z N A 7AC = Afte1v Recording Return To: L-), Loci d HERITAGE BANK 800 WEST 3RD STREET HASTINGS, NEBRASKA 68901 Loan Number: 08 -0353 DEFINITIONS e) A S D . rn N (� S 'w o � Q M rn O � 200402655 [Space Above This Line For Recording Data] DEED OF TRUST Eff _3 C.0 M 3 rs N Cl> 07 O —1 c )> z m -< o o � � z s M D W r � r � rn x X3- W Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated MARCH 17, 2004 , together with all Riders to this document. (B) 'Borrower" is TERENCE LEE ALDRI CH A SINGLE PERSON Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a NEBRASKA BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 800 WEST 3RD STREET, HASTINGS, NEBRASKA 68901 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is T I ERONE BANK 1235 N STREET LINCOLN, NE 68508 (E) "Note" means the promissory note signed by Borrower and dated MARCH 17, 2004 The Note states that Borrower owes Lender FORTY -SEVEN THOUSAND FIVE HUNDRED AND 00 /100 Dollars (U.S. $ 47, 500 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 1, 2019 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (,n "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagiceVWom so sas- Form 3028 1/01 Page 1 of 11 www.doc o 0 N 0 0 s O N rn Er, f�D 3 cv Z Q Sss,s<3 NeM.dot. Ltem 11111111111111111111 III 1 111111 I ll 1111 l ll I II 111111111111111111111111111111111 III