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� � � 0 �� �� � � � _� � �� � � N � �� � �� � �� s� � �,` �. � �) V S' � �� � � � �. � �`' �o � ?G' �fter Recording Return To: HERITAGE BANK 800 W 3RD HASTINGS, NEBRASKA 68901 Loan Number: 6850294717 � �9 Z �� �_ -�, -_.� c, u, � � o � o C D _ � r� r �� m � Rf c � '' "- � -< � C� � � C o O -r� F—' � � rr � �.'� f �1 -'- .��, !—� � �. _; v �.� � o - ,;':, � � r;. C F.., G �., G � � � � � � F"'� 7C z> Z Q �,"", � ,� � _� CIi � �^ w cn �- r�, o �`- � � [Space Above This Line For Recording Data] DEED OF TRUST MIN: 100021268502947175 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 1 l, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated FEBRUARY 18, 2011 , together with all Riders to this document. (B) "Borrower" is ROBERT E HARDER AND KRISTIE L HARDER HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a and existing under the laws of Lender' s address is 8 0 0 W 3RD, HASTINGS, NEBRASKA 68901 (D) "Trustee" is US BANK NA PO BOX 20005, OWENSBORO, KENTUCKY 42304-0005 organized 0 (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the bene�ciary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (1� "Note" means the promissory note signed by Borrower and dated FEBRUARY 18 � 2 011 . The Note states that Borrower owes Lender NINETY THOUSAND AND 0 0/ 10 0 Dollars (U. S. $ 9 0, 0 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MARCH l, 2026 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (I� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Balloon Rider ❑ 1-4 Family Rider ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider ❑ Second Home Rider ❑ Other(s) [specify] NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3028 1/01 Page 1 of 11 2�� vocMag�c � www. docmagic. com \��` �� .w �G � Ne3028.mzd.xml