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~ ." c: n Z :c(")~ m )> .. nUl ~x Q~ n1 (I) n:c " o ;...'....,;1- I iC"::,''''::'' 0 (j) (;.~ 0 <:::r.> 0 --i '..I c: l> N ;:cJ r~\~ =3 z --i ::=n --i fTl a ,n Q = -< 0 lr G')~ - f',.) 0 "'Tl C) 0" w .,., -.'" --rJ .......,. OJ 3' C' :r rTl k- \::1 fi co c::> g rT) :::D :to- f"11 ::3 ,. ;:CJ f"'0 0 r J:~- (f) I---" CO -L: 3 ~ .......... ;:><; ~ po CD U1 -- r-to 0 en -.J Z en 0 N S S 0) S N .t>. CD -...J fter Recording Return To: fiERITAGE BANK 1333 N WEBB RD GRAND ISLAND, NEBRASKA Loan Number: 78446 68803 200602497 [Space Above This Line For Recording Data] DEED OF TRUST t7.s -. .$"-0 DEFINITIONS 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 13, 2006 with all Riders to this document. (B) "Borrower" is RYAN J BARTELS AND SHANNON R BARTELS , together Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a NEBRASKA BANKING CORPORATION and existing under the laws of NEBRAS KA Lender's address is 1333 _NWEBB RD, GRAND ISLAND, NEBRASKA 68803 organized Lender is the beneficiary under this Security Instrument. (D) "Trustee" is BANKFIRST 1371 26TH AVENUE COLUMBUS BE 68601 (E) "Note" means the promissory note signed by Borrower and dated MARCH 13, 2006 The Note states that Borrower owes Lender TWO HUNDRED FOUR THOUSAND AND 00/100 Dollars (U. S. $ 2 04 , 0 0 0 . 0 0 ) 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, 2036 (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. (II) "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]: D Adjustable Rate Rider D Balloon Rider D 1-4 Family Rider D Condominium Rider D Planned Unit Development Rider D Biweekly Payment Rider D Second Home Rider D Other(s) [specify] (I) "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. (J) "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 Form 3028 1/01 Page 1 of 11 DocMagic~ 800-649-1362 www.docmBgic.com J~~ fyp 11111111I1111111111111I111111I1111111111111111111111111111111 Ne30281.dot.l.tem