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~~~ ~~ '~ ~ _ ~^r~ N ~ ~" c n = ~s ~ ~~ ~~ = ~ v ,~~ ~~ ~, ~~ ' ~ rn ~:' x~ ~ ~ c- ~ rn ' " m ~ ~ N r~ 4+- ~ q ~ ~ rv -~ ~ ~ y ~ , c~ ~ ~ -~, ~ ~~-+ :~ v ~~ ~~ rn ~- J ~ r„ ~,. c; r cn cn fl ~ ~ ~ ~ ~ p CI1 _ ~~ ~ ~ ~ f1] #fter Recording Return To: © A ~ ~=' - Loan Number: 02-1122 ~ Z O [Space Above This Line For Recording Data] ~= ~.. DEFINITIONS DEED OF TRUST 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 JUNE 2 6 , 2 0 0 9 ,together with all Riders to this document. (B) "Borrower" is BARBARA J ZARUBA, A SINGLE WOMAN 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 13 3 3 N WEBB RD , GRAND ISLAND , NEBRASKA 5 8 8 0 3 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is T I ERONE BANK 1235 N STREET, LINCOLN, NEBRASKA 68508 (E) "Note" means the promissory note signed by Borrower and dated JUNE 2 6 , 2 0 0 9 The Note states that Borrower owes Lender SEVENTY-FOUR THOUSAND EIGHT HUNDRED AND 0 0/ 10 0 Dollars (U. S. $ 7 4, 8 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 1, 2039 (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 [] 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. (.n "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/Fraddis Mac UNIFORM INSTRUMENT DocMagic ~"v~ aoo-bas-rasz Farm 3028 1 /01 Page 1 of 1 1 www.docmagic.com ~"e~ Ne3028.dOtxml