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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 ........................01, 97 2003— „,,,,,,,,,,,,,,,_,...., together 1
<br />with all Riders to this document.
<br />0
<br />(B) "Borrower” is B,o her( a. w,. Pigglm!ngS.ead.Pally.Ogmraiags, Hgghand.aOd. Wife ............. ......................... ...................... -
<br />.......... ... .......... ........ .......... _........ .. ...... _.... ........... ................_._ o
<br />Borrower is the tmstor under this Security Instrument.
<br />(C) "Lender" is Heritage Bank .................................................................................... ...............................
<br />Lender is a.Oulp IT Aliag .............__............... ._.._..............— ........... ................_...._ organized and existing under
<br />the laws of .lha amp.of ftnUka ...........__ ......................... . Lender's address is .1,333, Nprrh W. @111! Boad, P;O;.Bex 51,31
<br />.GIaOd.ISlaed..N.E..G8802.... _ ..... ............................... _..... _ ............ ............................................ .... _ _. ...
<br />Lender is the beneficiary under this Security h etrun em.
<br />(D) "Trustee" is Heritage Bank..1333 N, Webb Road_ Grand Island, NE 68802,5138_. _ ........................... .........
<br />(E) "Note" means the promissory note signed by Borrower and dated 0J:07:2001. . . ....... ....... _....... .The
<br />Note states mat Borrower owes Lender five. thausdndfivl ;.6ullNkd.eigry[gtivl:.and S01. 104 ................... ............... ..._. .........
<br />..
<br />...... .,,,—........... ......................... Dollars (U.S. $ 5, ,5,85;50..,,,,,,,,,,,.. —) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than _ ............ ...... .O0-.Q 1:2003............_.....
<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 Note,
<br />and all sums due under this Security Instrument, plus interest.
<br />(D) "Riders" means all Riders to this Security Instrument that am executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />❑ Adjualable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />[I Balloon Rider ❑ Planned Unit Development Rider M Other(s) [specify] .Naa OWpeL_.......
<br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider Occupancy
<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 />(,p "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 />(R) "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 Seeman, 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" norms 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 parry
<br />(other than insurance proceeds paid under the coverages described in Section 5) foe (i) damage to, or destruction of, the
<br />Property; (u) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv)
<br />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 (i) any
<br />amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (l2 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 or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and
<br />restrictions that are unposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally
<br />related mortgage loam" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means any parry that has taken title to the Property, whether or not that parry has
<br />assumed Borrower's obligations under the Now and /or this Security Instrument.
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
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<br />2003()0322,
<br />DEFINITIONS
<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 ........................01, 97 2003— „,,,,,,,,,,,,,,,_,...., together 1
<br />with all Riders to this document.
<br />0
<br />(B) "Borrower” is B,o her( a. w,. Pigglm!ngS.ead.Pally.Ogmraiags, Hgghand.aOd. Wife ............. ......................... ...................... -
<br />.......... ... .......... ........ .......... _........ .. ...... _.... ........... ................_._ o
<br />Borrower is the tmstor under this Security Instrument.
<br />(C) "Lender" is Heritage Bank .................................................................................... ...............................
<br />Lender is a.Oulp IT Aliag .............__............... ._.._..............— ........... ................_...._ organized and existing under
<br />the laws of .lha amp.of ftnUka ...........__ ......................... . Lender's address is .1,333, Nprrh W. @111! Boad, P;O;.Bex 51,31
<br />.GIaOd.ISlaed..N.E..G8802.... _ ..... ............................... _..... _ ............ ............................................ .... _ _. ...
<br />Lender is the beneficiary under this Security h etrun em.
<br />(D) "Trustee" is Heritage Bank..1333 N, Webb Road_ Grand Island, NE 68802,5138_. _ ........................... .........
<br />(E) "Note" means the promissory note signed by Borrower and dated 0J:07:2001. . . ....... ....... _....... .The
<br />Note states mat Borrower owes Lender five. thausdndfivl ;.6ullNkd.eigry[gtivl:.and S01. 104 ................... ............... ..._. .........
<br />..
<br />...... .,,,—........... ......................... Dollars (U.S. $ 5, ,5,85;50..,,,,,,,,,,,.. —) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than _ ............ ...... .O0-.Q 1:2003............_.....
<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 Note,
<br />and all sums due under this Security Instrument, plus interest.
<br />(D) "Riders" means all Riders to this Security Instrument that am executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />❑ Adjualable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />[I Balloon Rider ❑ Planned Unit Development Rider M Other(s) [specify] .Naa OWpeL_.......
<br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider Occupancy
<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 />(,p "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 />(R) "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 Seeman, 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" norms 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 parry
<br />(other than insurance proceeds paid under the coverages described in Section 5) foe (i) damage to, or destruction of, the
<br />Property; (u) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv)
<br />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 (i) any
<br />amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (l2 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 or
<br />regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and
<br />restrictions that are unposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally
<br />related mortgage loam" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means any parry that has taken title to the Property, whether or not that parry has
<br />assumed Borrower's obligations under the Now and /or this Security Instrument.
<br />NEBRASKA — Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
<br />B11k1r1SY M1, lnc.,ca ela oMN r , me -1 NE 811712000
<br />,.r. lrzoo 1 hb$e I of ]pa8✓�')
<br />1 rim .
<br />Form 3028 1101
<br />+ c11111111 111111111111111111111111111
<br />
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