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<br />DEFINITiONS
<br />DEED OF TRUST
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<br />Words used iu multipie sections of this document are def'rned 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 t.his document are alsn provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated . . . . . . . . . . . . . . . . . . . . . . . . l 1 ?3_ 2010 , , , , , , , , , . . . . . . . . . . . , , , , , , _ . �ogether
<br />with all Riders to this document.
<br />($) "BDl'COwer" is BRADLY STE1!EN PAI.�N$�CY apd,JULIE.AN.N P���N$KY, Hus��D�.an� Wife .................... ........................................ ..
<br />................................................ ...................................................................................... .
<br />Borrower is the t.rustor under this Security Instrument.
<br />(C) "Lender" rs Heritage Bank......... ........................................................................................................ .
<br />LOrider is a .G4rR4ratJ4l� .............................................................................................. , er
<br />the laws of .�hg stdle of.Nebra�k� ............................ ............ . Lender's address is . � 1.Q).l��h Str et P 0, �4� �9 Ausora N� �....
<br />...... d
<br />�$@18 ................................................................................................................................................... .
<br />Lender is thc heneficiary under this Secnrit.y Instrument.
<br />(D) "Trustee" is HeritageBank_110112THSTREET AURORA,NE 68818 ....................................
<br />......... ..........
<br />(E) "Note" means the promissory note signed by Borrower and dated 11_ 23•20�Q, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , The
<br />Note states that $c>rrower owes Lender t�!uhundra�.fiya.th4usapd.�iKCY.fpsu.aod.aQllOQ ...............................................................
<br />.................................................. .. ....,........................... us interest. h� omised to
<br />Dollars (U S .,) pl Borrower • s pr
<br />pay thrs debt in re�ular Periodic Payments and to p�y the debt in fu11 not later than . . . . . . . . . . . . . . . . . ... .11 p,1 2A20. . . . . . . . . . . . . . . . . . .. .
<br />........................................................................................................................................................ .
<br />(F) "Property" mcans the property that is described below under the heading "Transfer of Rights in thc Property. "
<br />(G) "Loan" means the debt evidenced by the Nnte, plus interest, any prepayment charges and late charges due under t.he Note,
<br />and al! sums due under this Security Instrumeut, plus interest.
<br />(H) "Riders" means all Riders to this Securiry Instrument that are executed by Borrower. The follow'rng Riders are to be
<br />executed hy $orrower [check box as applicable]:
<br />❑ Adjustahle Rate ltider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ 13alloon Rider ❑ Planned Unit Development Rider 0 Other(s) [specify� .......................
<br />❑ 1-�4 Family Rider ❑ Biweekly Payment Rider
<br />(I) "Applicable Law" means a11 coptrolling applicable federal, state and local statutes, regulations, ordinances and
<br />administraiive rules and orders (that have the effect of law) as well as a11 applicable final, non-appealable judicial opinions.
<br />(J) "Community Association Dues, Fees, and Assessments" rneans all dues, fees, assesstnents and other charges thac are
<br />imposed on $orrower or the Property by a condominium association, homeowners association or sirnilar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, nr suiiilar
<br />paper instrumenl, which is initiated through an electronic terminal, telephonic instrument, computer, ar magnetic tape so as to
<br />order, instruct, or authorizc a financial institution to dehit nr credic an account. Such term includes, but is uot limi�ed to,
<br />point-of-sale transfers, automated teller uiachine transactions, transfers initiated by telephonc, wire lransfers, and automated
<br />clearinghouse transfers.
<br />(L) "Escraw Items" means those items that are described in Section 3.
<br />(M) "Miscellaneous Proceeds" meaps any compensation, settlement, award of darnages, or proceeds paid by any third party
<br />(other than insurance proceeds paid under the coverages described in Section S) for: (i) damage to, or destruction of, Che
<br />Property; (ii) condernnation or other taking of all or any part of the Prnperty; (iii) copveyance in lieu af cnndemnation; or (iv)
<br />m'rsrepreset�tations of, or arnrssions as to, the value and/or conditiou of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpaymeqt of, or default on, the Loan.
<br />(0) "Periodic Payment" means the regularly scheduled arnount due For (i) principal an. d rnterest under t�e Note, plus (ii) any
<br />amounts under Section 3 of this Securi.ty lnslrument.
<br />(P) "RESPA" ineans the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulatic>n,
<br />Regulation X(24 C.P.R. Yart 3500), as they might be amended from time to time, or any additiot�►L or successor legislation or
<br />regulation lhat. governs the same subject matter. As used in this 5ecuriry inslrument, "RESPA" refers to all requirements and
<br />rest.rictions thal are i�nposed in re�;ard to a"federally related morCgage loan" even if the I,nan does not qualify as a"federally
<br />related moR�age loan" upder RESPA.
<br />(Q) "Successor in Interest af Borrower" rneans any party that has taken title to the Property, whether or not lhat party has
<br />assumed Borrower's obligations uuder lhe Note and/or this Security Instrument.
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<br />NEBRASKA—Single Family—Fannie Mae(Freddie Msc IIMIFORM INSTRUMENT �
<br />Bankers Systems, Inc., St. Cloud, MN Form M�-1-NE 8/17/2000 �
<br />ref: 1 l2001 �
<br />(prtge I nf7page,c)
<br />,{: a i�" '' r9 R.' u
<br />Form 3028 7 /0'I
<br />IIIIIII IIIII IIII IIIIII IIII IIII II�I
<br />J B 2 A 0
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