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<br />.. <br /> <br />\ ~ ~ j .'. .'i;:~ <br />fI, , , ~ <br /> <br />~ <br />m <br />"TI <br />c: <br />~s;!~ <br />ncn <br />~:r: <br /> <br /> "" m <br /> <.=> o (I) <br />n E c;> 02 <br />::E: ~t.. CD 0 -i -I <br /> c::J> Nm <br />m ::3 z-i <br />n :::z:: ~~J ..-~''( :0 <br />=:) -irrl om <br />~ rn Si: -c: -< 0 00 <br /> ~~ N o '"Tl )> <br /> 0 ." Z coCJ) <br />~ ." <br /> CJ t :c IT'l oZ <br /> f"Tl -0 l> OJ ~ <br />~ rn ::3 r :J;J <br /> 0 r >- -!::o <br /> <.n (J) -!:c <br />~ ...r: ;><; 3: <br /> l> .........m <br /> c:> ---- ---- z <br /> 0 (.f"J ",-I <br /> (J) Z <br /> 0 <br /> .5s. Sc> <br /> .'.'<;'''.:.'''~~'';'~~ <br /> <br />N <br />S <br />S <br />co <br />s <br />~ <br />~ <br />...... <br />(J) <br /> <br />'-____~~e~~~~~:g:~~To:~O 81ft ~133 . <br />110 E 9TH STREET {..If.YtJ2- 513? <br />WOOD RIVER, NEBRASKA 68883 <br />-....,....'...."Loa:rt..Numbex.:O 0":0031 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <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 MAY 8, 2008 , together <br />with all Riders to this document. <br />(B) "Borrower" is TERA VANWINKLE, A S INGLE WOMAN AS HER SOLE AND <br />SEPARATE PROPERTY <br /> <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br /> <br />Lender is a CORPORATION <br />and existing under the laws of NEBRASKA <br />Lender's address is 110 E 9TH STREET ,WOOD RIVER, NEBRASKA 688"83 <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 MAY 8, 2008 <br />The Note states that Borrower owes Lender ONE HUNDRED SEVENTY THOUSAND THREE <br />HUNDRED NINETY-ONE AND 00/100 Dollars (U.S. $ 170,391. 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 JUNE 1,2038 <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 />~ <br /> <br />DocMaglc ~ 800.649.1362 <br />www.docmagic.com <br /> <br />Ne3028.dot <br /> <br />1111111111111111111111111111111111111111111111111111111111 <br />