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� <br />�� <br />� �"" <br />j = <br />Q �� <br />� <br />� � <br />B � <br />� <br />� <br />� <br />, After Recording Return To: <br />J HERITAGE BANK <br />1333 N WEBB ROAD <br />GRAND ISLAND, NEBRASKA 68803 <br />Loan Number: 00-1454 <br />D�FINITIONS <br />� <br />re� <br />� <br />G <br />Z <br />2 n � <br />t'�1 N • • <br />7C = <br />� m <br />� �� 5 <br />2 a � �, � a cv �a <br />C1 = n r {.. ` C7 �� C� � <br />��` ""� A <br />� c � � � � CJ� <br />ti" ""'"� � � C� <br />�{�. Z <br />d m "'� ,� � m O � <br />rn � C'" � � <br />c� r xy � C <br />� � <br />"`' 'C `"' m <br />zr � <br />Ll c�, `� 1' � <br />� cr> p � <br />cr� � <br />��� sd <br />[Space Above This Line For Recording Data] <br />DEED QF TRUST <br />Words used in rnultiple sections of this docurnent are defined below a�nd other words are defined in Sections 3, 11, <br />13, 18, 20 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 DECEMBER 3, 2 O 10 > tagether <br />with all Riders to this document. <br />(B) "Borrower" is BRIAN R PACKER AND STACY K PACKER HUSBAND AND WIFE <br />AS JO�NT TENANTS WITH RIGHT OF SURVIVORSHIP <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />T.,ender is a NEBRASKA BANKING CORPORATION organized <br />and existing under the laws of NEBRASKA , <br />I.ender's address is 1. 3 3 3 N WEBB ROAD , GRAND I S LAND , NEBRAS KA 6 8 8 0 3 <br />L,�nder is the beneficiary under this Security Instrument. <br />(D) "Trustee" is W�ST GATE BANK <br />5Q03 OLD CHENEY ROAD, LINCOLN, NEBRASKA 68516 �. <br />(E) "Note" rneans the prornissory note signed by Borrower and dated DECEMBER 3, 2 O 10 . <br />The Note states that Borrower owes Lender TWO HiJNDRED FOURTEEN THOUSAND AND <br />00/100 Dollars (U.S. $ 214, 000 . 00 ) <br />plus interest. Borrower has promised to pay this debt in regular �eriodic Fayments and to pay the debt in full not later <br />than JANUARY 1, 2 0 2 6 . <br />(F� "Property" means the property that is described below under the heading "Transfer of Rights in the Froperty." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late charges due under <br />the Note, and all sums due under this Security Instrument, plus interest. <br />(T� "Riders" means all Riders to this Security Instrument that are executed by Borrower. The Following Riders are <br />to be executed by Borrower [check box as applicable]: <br />[] Adjustable Rate Rider <br />� Balloon Rider <br />� 1-�4 F'amily Rider <br />� Condominiurn Rider <br />� Planned Unit Development Rider <br />� Biweekly Payment Rider <br />❑ Second Home Rider <br />� Other(s) [specify] <br />(I) "Appl'teable Law" means all cnntrolling 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 <br />opinions. <br />(,n "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges <br />that are imposed on Borrower or the Froperty by a condominium association, homeowners association or similar <br />organization. <br />�� <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 1 of 11 <br />Vellp4 do�.xfi;l <br />C70CMagIC �(I�J� 800•649-1362 <br />www. docmaglc. com <br />