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<br /> \.fter Recording Return To: 0 :t> N
<br /> 0 .................
<br /> -----HERITAGE BANK N (fJ ...r:
<br /> 1333 N WEBB RD (J') .....
<br /> GRAND ISLAND, NEBRASKA 68803 - ,,;,;: Z
<br /> Loan Number: 78610 200603624 0
<br />
<br />[Space Above This Line For Recording Data]
<br />
<br />DEED OF TRUST
<br />
<br />,.'t
<br />(~-..- 55,50
<br />
<br />DEFINITIONS
<br />
<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 />
<br />(A) "Security Instrument" means this document, which is dated APRI L 21, 2006
<br />with all Riders to this document.
<br />(B) "Borrower" is MICHAEL G AND LINDA F ATKINS HUSBAND AND WIFE
<br />
<br />, together
<br />
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />
<br />Lender is a NEBRASKA BANKING CORPORATION
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803
<br />
<br />organized
<br />
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is BANK-FIRST 1371 26TH AVENUE COLUMBUS NE 68601
<br />
<br />(E) "Note" means the promissory note signed by Borrower and dated APR I L 2 1, 2 0 0 6
<br />The Note states that Borrower owes Lender EIGHTY THOUSAND AND 00/100
<br />Dollars (U.S. $ 80,000.00 )
<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 MAY 1, 2021
<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 />(II) "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 />D Adjustable Rate Rider
<br />D Balloon Rider
<br />D 1-4 Family Rider
<br />
<br />D Condominium Rider
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />D Second Home Rider
<br />D Other(s) [specify]
<br />
<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 />(J) "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 />
<br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Form 3028 1/01 Page 1 of 1 1
<br />
<br />DocMagiC~ 800-649-1362
<br />www.docmagic.com
<br />
<br />~/~
<br />
<br />LfA
<br />
<br />Ne3028l.dot.l.lem
<br />
<br />1111111111111111111111111111111111111111111111111111111111111
<br />
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