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<br /> 35' So
<br /> DEED 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, 13, 18, 20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section l6.
<br />(A) "Security Lnstrument" means this document, which is dated .......................48-27.•~Q~.Q............................, together
<br />with all Riders to this document.
<br />(B) "Borrower" is .34hJ1.M•. ~i~,er a4~.~ofl ~•. ~ls~~r. Husb~~d. erld.W!f.~ ............................................................................
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is .Heritage Bank , , , ..... . .... . . .
<br />Lenderts a .CPdRR[~t144 .................................................................................. ... .organized and existing under
<br />the laws of .1ha.;:Xat~ pf ~~p~a~ka ..... . . ...... . .............................Lender's address is ..1.$3$. ~9C#h,Wep6 RoadR P :0, .l)ox 5138,..
<br />.Gl~ndl~landr. N~..~e$R~:~.1~.~ ....................................................................................................................... .
<br />Lender is [he beneficiary under this Security Instrument.
<br />(D) "Trustee" is Heritage,Bank„110, E. 9th Streets PO Box.487.Wood Riyer,.NE,68883,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ,
<br />(E) "Note" means the promissory note signed by Borrower and dated 0$: ~1:~4 ] Q .................................................The
<br />Nate states that Borrower owes Lender twantX.thOU~alad and.raal1.QD ............................................................................
<br />........................... Dollars (U . S. $ 20,000 :00, ....... , , .... , , , , , , , ,) plus interest. Borrower has prarnised to
<br />.......................
<br />pay this debt in regular Periodic Payments and to pay the debt in full not Later than ....................4~ :41:24.15................... .
<br />(F) "Property" means the property that is described below wader the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Nate, 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 />(.>7 "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, which is initiated through an electronic terminal, telephonic instrument, computer, ar 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 an, the Loan.
<br />(O) "Periodic Payment" means the regularly scheduled amount due far (i) principal aad interest under the Nate, 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 say 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 or not that party has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000
<br />ref: 1 /2001 (page I of 7 pages)
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