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N 4) _ ED 00 0 �r N0028.dot ifter Recording Return To: HERITAGE BANK 1333 N WEBB RD GRAND ISLAND, NEBRASKA 68803 Loan Number: 06- 043779 [Space Above This Line For Recording Data] 1014410Z6]21111M+1111 DEFINITIONS Adjustable Rate Rider rn Z Planned Unit Development Rider ❑ n�rn M = n cs) 1 -4 Family Rider Second Home Rider ❑ Condominium Rider �c = t I __, Ml r W ifter Recording Return To: HERITAGE BANK 1333 N WEBB RD GRAND ISLAND, NEBRASKA 68803 Loan Number: 06- 043779 [Space Above This Line For Recording Data] 1014410Z6]21111M+1111 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 SEPTEMBER 22, 2 0 0 6 , together with all Riders to this document. (B) "Borrower" is DARIN D DARES AND JANICE L JARES HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a NEBRASKA BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK 1235 "N" STREET LINCOLN NE 68508 (E) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 22, 2 0 0 6 The Note states that Borrower owes Lender ONE HUNDRED FIFTY THOUSAND FOUR HUNDRED AND 00/100 Dollars (U. S. $ 150,400.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than OCTOBER I, 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. (H) "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]: [] Adjustable Rate Rider 7 Planned Unit Development Rider ❑ Balloon Rider r -• a Biweekly Payment Rider ❑ 1 -4 Family Rider Second Home Rider ❑ Condominium Rider ❑ C t I __, Ml r W Q r 00 7.r Vi a V� [ rV �7 Cfa Cn 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 SEPTEMBER 22, 2 0 0 6 , together with all Riders to this document. (B) "Borrower" is DARIN D DARES AND JANICE L JARES HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a NEBRASKA BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK 1235 "N" STREET LINCOLN NE 68508 (E) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 22, 2 0 0 6 The Note states that Borrower owes Lender ONE HUNDRED FIFTY THOUSAND FOUR HUNDRED AND 00/100 Dollars (U. S. $ 150,400.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than OCTOBER I, 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. (H) "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]: [] Adjustable Rate Rider 7 Planned Unit Development Rider ❑ Balloon Rider [] Biweekly Payment Rider ❑ 1 -4 Family Rider Second Home Rider ❑ Condominium Rider ❑ 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. O "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. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Page 1 of 11 1� DocMagic CRwv= 800-649-1362 www.docmagic.com C�:) ry a C CD ..w co M _ -"3 a C:7 Ss, sd II I II I I II I I 1 11111111 III 1 111111 I II 1111111 1 11 11111111111111 1 111