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DEFINITIONS
<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 />(A) "Security Instrument" means this document, which is dated JANUARY 2 0, 2 0 0 5 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is THOMAS ZILLER AND ANGELA J ZILLER HUSBAND AND WIFE
<br />AS JOINT TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a NEBRASKA BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is Heritage Bank 1333 N Webb Road Grand Island NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 2 0 , 2 0 0 5
<br />The Note states that Borrower owes Lender ONE HUNDRED THIRTY -NINE THOUSAND
<br />FIVE HUNDRED AND 00/100 Dollars (U.S. $ 13 9, 5 0 0 . 0 0 )
<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 FEBRUARY 1, 2035
<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 />❑
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<br />Condominium Rider ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
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<br />HERITAGE BANK
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<br />1333 N WEBB RD
<br />GRAND NEBRASKA
<br />68803
<br />200500630
<br />821133
<br />[Space Above This
<br />Line For Recording Data]
<br />DEED
<br />OF TRUST
<br />DEFINITIONS
<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 />(A) "Security Instrument" means this document, which is dated JANUARY 2 0, 2 0 0 5 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is THOMAS ZILLER AND ANGELA J ZILLER HUSBAND AND WIFE
<br />AS JOINT TENANTS
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a NEBRASKA BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is Heritage Bank 1333 N Webb Road Grand Island NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 2 0 , 2 0 0 5
<br />The Note states that Borrower owes Lender ONE HUNDRED THIRTY -NINE THOUSAND
<br />FIVE HUNDRED AND 00/100 Dollars (U.S. $ 13 9, 5 0 0 . 0 0 )
<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 FEBRUARY 1, 2035
<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 />Adjustable Rate Rider
<br />❑
<br />Condominium Rider ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<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 />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagictT��um& E00-649-1362
<br />Form 3028 1/01 Page 1 of 11 www.docmagic.com
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