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<br />DEFINITIONS
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<br />[Space Above "T"his Line Far Recording Data[
<br />DEED OF TRUST
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />aad 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 .......................Q9•,Q 1; 24OQ, , , , , , , , , , , , , , , , , , , _ , , _ _ .
<br />with all Riders co this document.
<br />(B) "Borrower" is ,lo[t_Ilthg~. J.. ~ea~~l;y. an.~ Jennifer. L, .t3ea~ley,. }~I~s6and_ arid,l~llife ... _ ,
<br />........................................
<br />................................................................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Heritage Bank . . ........................ .
<br />~"
<br />13, 18, 20
<br />... , together
<br />Lender is a .GPrR4r4t144 ............................................................................................ organized and existing under
<br />the laws of .thl'. state Af. N~bra~ka ...........................................Lender's address is ..1.333. NQCth.Waph .QPd~R P.,Qr .OQX .~ 1 ~$,..
<br />.Gland Isl~-td,.N~..68$4~:Q.13.$ ....................................................................................................................... .
<br />Lender is the beneficiary under this Securityty Instrument.
<br />(D) "Trustee" is Heritage.Bank._110,E.9th~treet,.PO.Box4$7.Wood.River,,NE 68883 ...................................................... .
<br />(E) "Note" means the promissory note signed by Borrower and dated 0$:$.]:~aQQ .................................................The
<br />Note states that Borrower owes Lender NO~1.K ~W.41h4uS.44d.ItlldA0~1.Qp ........................................................................
<br />.................................................. Dollars (U . S. $ 9?,000 ;Op, , , , , , , , , , , , , , , , , , , , , ,) plus interest. Borrower has promised to
<br />pay this debt in regular Feriodic Payments and to pay the debt in full not later than ....................0~ :Q 1:20.12................... .
<br />........................................................................................................................................................ .
<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 aad 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 />(T) "Applicable Law" means all controlling applicable federal, slate 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 />(,n "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 condominium 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, whichts initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to
<br />order,tnstrttct, or authorize a ftnancial institution to debit or credit an account. Such termtncludes, 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. §2601 et seq.) and its implementing regulation,
<br />Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or auy 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 Loan does not qualify as a "federally
<br />related mortgage loan" under RESPA.
<br />(Q) "Successor in Interest of Borrower" means auy party that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Note and/ar this Security Instrument.
<br />NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT
<br />Bank®r~s Systama, Inc., St. Claud, MN Fvrm MD-1-NE 8/17/2000
<br />rof: 1!2001 (page I of7pages)
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