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<br />WHEN RECORDED, MAIL TO: `~
<br />Nebraska National Bank
<br />3110 2nd Avenue, PO Box 397
<br />Kearney, NEBRASKA 68848
<br />This instrument was prepared by:
<br />Nebraska National Bank
<br />3110 2nd Avenue, PO Box 397
<br />Kearney, NEBRASKA 68848
<br />308-237-7711
<br />(space Above This Line For Rennrding Data)
<br />DEED OF TRUST
<br />C V"`
<br />~~~
<br />MIN: 100149300000294619
<br />DEFTMTIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 1.3, I S, 20 and 21.
<br />Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated June 26, 2009, together with all Riders to this document.
<br />(B) "Borrower" is Roger A. Heffelfinger and Rhonda J. Heffelfinger, husband and wife. Borrower is the trustor under this Security
<br />Instrument.
<br />(C) "Lender" is Nebraska National Bauk, organized and existing under the laws of the United States of America.
<br />Lender's address is 3110 2nd Avenue, PO Box 397, Kearney, NEBRASKA 68848.
<br />(D) "Trustee" is Franklin American Mortgage Company.
<br />Trustee's address is SOl Cowporate Drive, Suite 400, Franklin, Williamson County TENNESSEE 37067.
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for
<br />Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MGRS is organized and existing
<br />under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated June 26, 2009. 'The Note states that Borrower awes Lender TWO
<br />HUNDRED FIFTEEN THOUSAND ONE HUNDRED AND NO/100 Dollars (U.S. $215,100.00) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1, 2024.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums
<br />due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower (check box as applicable):
<br />^ Adjustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />^ Balloon Rider ^ Planned Unit Development Rider ^ VA Rider
<br />^ 1-4 Family Rider ^ Biweekly Paymnnt Rider
<br />^ Other (Specify) -
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association ar similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper -
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, ar
<br />authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of--sale transfers, automated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than
<br />insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
<br />other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
<br />value and/or condition of the Property.
<br />(O) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Nate, plus (ii) any amounts
<br />under Section 3 of this Security Instrument.
<br />NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS F 3028 v07
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<br />ios, ono. borrower(s) Initials
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