|
V After Recording Return To:
<br />HERITAGE BANK
<br />110 E 9TH STREET
<br />WOOD RIVER, NEBRASKA 68883
<br />Loan Number: 63 -15 -39525
<br />DEFINITIONS
<br />V�
<br />a
<br />`t r_
<br />c
<br />T� C.J
<br />rn -�
<br />m A Z3
<br />a
<br />N
<br />O
<br />0
<br />200405505
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />d
<br />C D
<br />rn
<br />O
<br />O -n
<br />M M
<br />ja C;J
<br />r- ,v
<br />Cr)
<br />D
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 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 MAY 24, 2 0 0 4 , together
<br />with all Riders to this document.
<br />(B) 'Borrower" is DAVID REEDER AND JENNIFER REEDER ALL AS JOINT
<br />TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is Heritage Bank 110 E 9th Street Wood River NE 68883
<br />(E) "Note" means the promissory note signed by Borrower and dated MAY 24, 2 0 0 4
<br />The Note states that Borrower owes Lender ONE HUNDRED THIRTY -TWO THOUSAND AND
<br />00 /100 Dollars (U.S. $ 132, 000. 00 )
<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 JUNE 1, 2034
<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 />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />M
<br />Mn
<br />m
<br />CA
<br />Balloon Rider
<br />❑
<br />c
<br />n
<br />=
<br />n
<br />D
<br />Z
<br />cn
<br />C/)
<br />V After Recording Return To:
<br />HERITAGE BANK
<br />110 E 9TH STREET
<br />WOOD RIVER, NEBRASKA 68883
<br />Loan Number: 63 -15 -39525
<br />DEFINITIONS
<br />V�
<br />a
<br />`t r_
<br />c
<br />T� C.J
<br />rn -�
<br />m A Z3
<br />a
<br />N
<br />O
<br />0
<br />200405505
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />d
<br />C D
<br />rn
<br />O
<br />O -n
<br />M M
<br />ja C;J
<br />r- ,v
<br />Cr)
<br />D
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 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 MAY 24, 2 0 0 4 , together
<br />with all Riders to this document.
<br />(B) 'Borrower" is DAVID REEDER AND JENNIFER REEDER ALL AS JOINT
<br />TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is Heritage Bank 110 E 9th Street Wood River NE 68883
<br />(E) "Note" means the promissory note signed by Borrower and dated MAY 24, 2 0 0 4
<br />The Note states that Borrower owes Lender ONE HUNDRED THIRTY -TWO THOUSAND AND
<br />00 /100 Dollars (U.S. $ 132, 000. 00 )
<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 JUNE 1, 2034
<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 />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />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
<br />opinions.
<br />Q) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />NEBRASKA -- Single Family-Fannie Mae /Freddie Mac UNIFORM IN TRUMENT
<br />Form 3028 1/01 Page 1 of 11
<br />D . 1�vb
<br />N6028. dot. L tem
<br />DocMagic7D-- 800-649-1362
<br />www.docmagic.com
<br />0
<br />N
<br />O
<br />O
<br />s
<br />c1i
<br />Cn
<br />O
<br />Cn
<br />rn
<br />ar
<br />�A
<br />N
<br />S
<br />CD
<br />e=—h
<br />0
<br />0
<br />
|