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<br />~fter Recording Return To: <br />-HERITAGE BANK <br />1333 N WEBB RD <br />GRAND ISLAND, NEBRASKA <br />Loan Number: 06-043915 <br /> <br />68803 <br /> <br />Q,Wc <br />m en <br />nx <br />'"' <br /> I"......,.) ~ <br /> \J' ~.;:::.;JI 0 (fJ <br /> = <br /> "ll CT.> 0 "-~ <br /> \J\ c:: > <br /> r \'" cn :z: --4 <br /> :;a P>.' rrl --4 m <br /> U\ fYl C-,.. -0 -< <br /> ...--:J . :,'- 0 ~ <br /> 0 o'~: N 0 "Tl <br /> ""T1 ~ "Tl ~,~ ~ <br /> 10 (, :1: 1'1: <br /> rn """U ~ CJ <br /> I"Tl :3 r- ~JJ <br /> CJ r J;.>- <br /> <n U) J:~ <br /> <:...:l ::><: <br /> l> CO... <br /> c...:> <br /> I--l' Ul r'\)Z <br /> (J) 0 <br /> <br /> ';'1Ij ,- ;0 <br /> Q , ,. . m <br /> .." <br /> . c: <br /> - n Z <br /> . <br />l\.) 1i J: ~ C <br />e IT1 ~ <br />e n cn <br />0') I "" X <br />e <br />(Xl <br />+:>. <br />(X) <br />l\.) <br /> <br /> <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />~ <br />'J'\. <br />~ <br /> <br />DEFINITIONS <br /> <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, II, <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 SEPTEMBER 21, 2006 , together <br />with all Riders to this document. <br />(B) "Borrower" is GEOFF A CYBORON AND SHERRY L CYBORON HUSBAND AND <br />WIFE <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 TIERONE BANK 1235 "N" STREET LINCOLN NE 68508 <br /> <br />(E) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 21, 2006 <br />The Note states that Borrower owes Lender ONE HUNDRED THIRTEEN THOUSAND NINE <br />HUNDRED AND 00/100 Dollars (U.S. $ 113,900.00 ) <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 OCTOBER 1, 2036 <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 />D Condominium Rider <br /> <br />D Planned Unit Development Rider <br />D Biweekly Payment Rider <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 /> <br />NEBRASKA.-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 1 of 11 <br /> <br />DocMagic ~ 800-649-1362 <br />www.docmagic.com <br /> <br /><Z!flc <br /> <br />('//C <br />")LA.-../' <br />l.._ <br /> <br />Ne3028.dot <br /> <br />11111111111111111111111111111I111111111111111111111111I111111 <br />