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<br />_________ ..trer Recording Return To:
<br />HERITAGE BANK
<br />1333 N WEBB RD
<br />GRAND ISLAND, NEBRASKA 68803
<br />Loan Number: 07-050620
<br />
<br />[Space Above This Line For Recording Data]
<br />
<br />DEED OF TRUST
<br />
<br />5'5,SO
<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 OCTOBER 26, 2007 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is KIM JUNGCK AND JANE A MCDONALD HUSBAND AND WI FE
<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 "Nil Street Lincoln NE 68508
<br />
<br />(E) "Note" means the promissory note signed by Borrower and dated OCTOBER 26, 2 007
<br />The Note states that Borrower owes Lender TWO HUNDRED FORTY - FOUR THOUSAND AND
<br />00/100 Dollars (U.S. $ 244,000.00 )
<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 NOVEMBER 1, 2 037
<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 />(H) "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--Fanni
<br />Form 30281/01
<br />
<br />
<br />INSTRUMENT
<br />e 1 of 11
<br />
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