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<br /> f1 <br /> =- = Q~~ <br />N ~ <br />\Sl C! <br />IS m en <br />(,0 !! Z n:::J: <br />IS n jjlIIlIi <br />N % ~ c G' <br />en m en <br />.. <br />-....J ncn y <br />~ ~:c <br /> Q ~ <br /> \) <br /> <br /> <br /> <br />.fier Recording Return To: <br />'HERITAGE BANK <br />315 W. 60TH STREET, SUITE <br />KEARNEY, NEBRASKA 68847 <br />Loan Number: 07-0140 <br /> <br />100 <br /> <br />[Space Above This Line For Recording Data] <br /> <br />DEED OF TRUST <br /> <br />DEFINITIONS <br /> <br /> ~ <br /> c:::. O.W m <br /> <::::lo c::> <br /> ~ C:O 0--1 Z <br /> :n c::l> r'\J rri <br /> z--l <br />~~' -u --Ir'T1 :D <br />:::c -<0 0 m <br />~ 0""T1 c::> CJ <br />c::> ""T1:z > <br />" CD en <br />= r ::J: l'T1 Z <br />('T'I "'"'0 :r> OJ c::> <br />rT\ :3 r- ::0 ~ <br />0 r- l> I"\.) <br />(1'J (f) <br /> c..J ;:oc;: 0> c: <br /> l> ......J i5: <br /> 0 ...................... ~ <br /> -C en ...... <br /> en !5 <br /> <br />~ <br />C7\.J"-. <br />c.....: 0 <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 MARCH 24, 2009 , together <br />with all Riders to this document. <br />(B) "Borrower" is DOUGLAS L. ROTH AND TRACEY L. ROTH 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 CORPORATION organized <br />and existing under the laws of NEBRAS KA <br />Lender's address is 315 W. 60TH STREET, SUITE 100, KEARNEY, NEBRASKA <br />68847 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is TIERONE BANK <br />P.O. BOX 83009, LINCOLN, NEBRASKA 68501 <br />(E) "Note" means the promissory note signed by Borrower and dated MARCH 24, 2009 <br />The Note states that Borrower owes Lender ONE HUNDRED TH I R TY - TWO THOUSAND AND <br />00/100 Dollars (U.S. $ 132,000.00 ) <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 APRIL 1, 2039 <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 FrF)i1VnFannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 tJl( Page 1 of 11 <br /> <br />N<3028.dot.xml <br /> <br />DocMagic ~ 800-649-1362 <br />TR- www.docmagic.com <br />