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<br />__
<br />DEED OF TRUST 3~. ~
<br />DEFINITIONS
<br />Words used in multiple sec[ions of this document are deftaed below and other words are defined in Sections 3, 11, 13, 18, 20
<br />and 21. Certain rules regartling the usage of wards used in this document are also provided in Section 16,
<br />(A) "Security Instrument" means this document, which is dated .......................Q~•.R$.•X41,U........................... ,together
<br />with atI Riders to this document.
<br />(B) "Borrower" is Algnso Rt.~lacok9.and gdriann~ ~, JacohQr Hus~~lld.Q4t11.1~Y1f~ .................................................................
<br />.................................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Heritage Bank,,,,,,,,,,,,,
<br />Lender is a .CA.rpQCtlhRn ....................................................................................... .organized and existing under
<br />the laws of .the.sSax~ of NBpx~~ka ...........................................Lender's address is ..1.333.NQftb.Wakk Road P..Q,.l3ox 513$,..
<br />.Grand island,. N~..~8~4~~~.1~~ ...................................................................................:................................... .
<br />Lender is the beneficiary under this Securityy Instrument.
<br />(D) "Trustee" is Heritag~Bank..1333 N Webk Rd,;PQ,Box,5138.Grand.Island,,NE, 68802,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,„ ,
<br />(E) "Note" means the promissory note signed by Borrower and dated 0~; Q,$~~0 ] 0 ................... . . . . . . . . . . . . . . . . . . . . . . . . .......The
<br />Note states that Borrower owes Lender tw!'ntV.thous~eOdtwD.hU4dl!'~fifteenand.331.1D.Q .....................................................
<br />.................................................. Dollars (U. S. $ ,~ 0,215.33, .. , .. , . , , , , , , , , , , , , . ,) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt is full not later than ....................0.1~g1:20.iZ....................
<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 the Note,
<br />and all sums due under this Security Instrument, plus interest.
<br />(H) "hiders" means all Killers to this Security Instrument that are executed by 1orrower. 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 controllir-g applicable federal, state and local statutes, regula[ions, 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 condominium association, homeowners associatton or similar arganizatiop.
<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) "R~~~i" means the Real Estate Settlement Procedures Act (I2 U.S.C. §2601 et seq.) and its implementing regulation,
<br />17egulation X (24 C.F.R. Part 3500), as they might be amended from tune 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 Loan does not qualify as a "federally
<br />related mortgage loan" under RESPA. ,
<br />(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether ar not that parry has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
<br />Form 3028 7 /01
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT ~ ~ Illll~~l~uluulll'IIIINIIIIIIII
<br />Bankrrs Syateme, Inc., St. Cloud, MN Form Mp•1-NE 8117!2000 1 j ^'-t~ n I'I' N II
<br />ref: t /20o t (page 1 of 7 pages) (y\~ J B 2 A 0
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