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DEFINITIONS <br />M n f7 <br />> <br />n n z n i o <br />M cn r. � N c> or <br />� a: 'n Z -i <br />rn -1 MY CD <br />O <br />CAD <br />rl N p _n C:) <br />CL <br />rn <br />rn <br />�' 2 ,; � s rn N <br />vMY 3 rCry O � <br />rn w y <br />co Cn <br />w "PRZ cn � <br />s <br />co <br />cn w <br />cn <br />[Space Above This Line For Recording Data] cr <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, <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 ................. <br />with all Riders to this document. <br />(B) "Borrower" is P�41. J.. Ho){ ichterand,4le�a,G;,Flofrichter, Husband, andWife ...................... ............................... <br />.................................... ..............................I <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is .Heritag@.Rank <br />13, 18, 20 <br />together <br />Lender is a .UrP91.0 0 ............................................................ ............................... organized and existing under <br />the laws of . 1he. s. Xa16. 4f. NQtlrA* k ......... ............................... . Lender's address is . 1333, Nortjt Webb f]oad, P,O.,[;ox,5,j38, <br />Ore.Od, Island,. N�.. 0880� .............................................................. ............................... <br />. ............................... . <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is TWO ne.Bank,,,,,,,,,,,,,,,,,,, <br />................................................................... ............................... . <br />(E) "Note" means the promissory note signed by Borrower and dated 03, -15: 200,2 . . . . . . . . . . . . . . . . . . ............................... . The <br />Note states that Borrower owes Lender S. BVBJItV. tnOASafId. 80t) 11411Q0 ........................................ ............................... <br />................... ............................... Dollars (U.S. $ 70, 000,00 . ... , , , , , , , .. . , , , , . , , ) plus interest. Borrower has promised to <br />pay this debt in regular Periodic Payments and to pay the debt in full not later than ..................... 04.01. 20.'17................... <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 />(H) "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 />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ....................... <br />❑ 1 -4 Family Rider ❑ Biweekly Payment Rider <br />(1) "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 />(1) "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 (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 (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 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 imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally <br />related mortgage loan" under RESPA. <br />(Q) "Successor in Interest of Borrower" means any 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 />NEBRASKA — Single Family— Fannie Mae /FreddieINSTRUMENT <br />Bankers Systems, Inc., St. Cloud, MN Form MD -1 -NE 6/17/2000 d , <br />ref: 112001 127 C. Go (page 1 of 7 pages) ��JJ <br />( X935.4100 (0)349.8300 <br />Fmcc (402)935.4101 (888) 3141400 <br />Form 3028 1/01 <br />1 <br />J B 2 A 0 <br />