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<br />DEED OF TRUST ~
<br />DEFINITIONS ~.J d
<br />~.......
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, IS, 20
<br />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 .......................QB-.~4-2Q0~............................, together
<br />with all Riders to this document.
<br />($) "Borrower" is RegiD.a J., R~thtl~at1.~~~.Q4Y~~.Rath41~D,.p.l!~~IfI~~.V~14[C~pA.~~1~.~.Itloll(~~.tll~n ................................................
<br />Borrower is the trustor under this Security Instrument
<br />(C) "Lender" is ,Heritage Bank ..........................
<br />header is a .GPIp4C~Il4n ............................................................................................ organized and existing under
<br />the laws of .th!?.Stet.QAf.~~blg~k~ ...........................................Lender's address is ..I.]~.~~~t.~t]1~1C~~tr P,4:.~4K.48~,.......
<br />V--.441i. Ai~4r,. NE..~$.$$,3 ............................................................................................................................... .
<br />Lender is the beneficiary under this Securityy Instrument.
<br />(D) "Trustee" is Heritage,Bank„1,10,E9thStreet,.POBox 487. Wood.River,.NE.68883,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ,,,,,,,,,,,,,,,,, ,
<br />(E) "Note" means the promissory note signed by Borrower and dated Q~:~4:~~Q9 ..................................................The
<br />Note states that Borrower owes I~ender rungty.,~ilc.lhQUSand.aalinvllQ.O .........................................................................
<br />.................................................. Dollars (U.S. ..~.~Q......................... plus interest, Borrower has promised to
<br />$ •)
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later Chan ....................a~ :~ 1:x0.10....................
<br />.............................................................................. . .
<br />(F) "Property" means the property that is described below under the heading "Transfer of Righ[s in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note,
<br />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 to be
<br />executed by Borrower [check box as applicable]:
<br />^ Adjustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />~ Balloon Rider ^ Planned Unit Development Rider ^ Other(s) [specify] .......................
<br />^ 1-4 Family Rider ^ Biweekly Payment Rider
<br />(n "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 opinions.
<br />(~ "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condorntnium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to
<br />order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(L) "Escrow Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the
<br />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv)
<br />misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
<br />amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2b01 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Part 350(1), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the same subject matter, As used in this Security Instrument, "RESPA" refers to all requirements and
<br />restrictions that are imposed in regard to a "federally related mortgage loan" even if the Laan does not qualify as a "federally
<br />related mortgage loan" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means any parry that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Nate and/or this Security Instrument.
<br />NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT ~.Jd `
<br />bankers Systems, Inc., St. Cloud, MN Form M0~1-NE 6/17/2000
<br />rat: t /zao t (page 1 of 7 pages)
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