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�� <br />�� <br />� <br />�� <br />N � <br />B <br />� — <br />0 <br />N �� <br />Gn <br />�� <br />� � <br />�� <br />�� <br />�� <br />�� <br />��� <br />�� <br />� <br />Rf <br />C <br />t`f Z <br />3�1t <br />� .Z <br />� <br />� <br />..-3 c> cn � <br />P1 r < � o -� � <br />p c n <br />= 3 ' ` y N <br />fl7 �Jf � ` —� z --� <br />� _. --� m 37 <br />� e .'� � � G � rn <br />� � � � � <br />r+7 �' .._ � � 4 � � <br />n y . y r-r� <br />� � r � C!1 <br />'�, � r n rv — d <br />�.� <br />r N �� � � <br />�� ~ n � <br />0 <br />m � � �..." � � <br />rn ` <br />o �'— W � -�] <br />� <br />After Recording Return T • <br />HERITAGE BANK �'r� � � <br />800 WEST 3RD <br />HASTINGS, NEBR.ASKA 68901 <br />Loan Number: 00-1498 <br />DEFINITIONS <br />(Space Above This Line For Recording Data] <br />DEED OF TRUST <br />Words used in multiple sections of this document are defined below and 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 MARCH 2 8, 2 O 11 <br />with all Riders to this document. <br />(B) "Borrower" is T IMOTHY W LEMONS AND MEL I S SA R. G IRARD-LEMONS <br />HUSBAND AND WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a NEBRASKA BANKING CORPORAT ION <br />and existing under the laws of NEBRASKA <br />Lender'saddressis 800 WEST 3RD, HASTINGS� NEBRASKA 68901 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is WEST GATE BANK <br />, together <br />organized <br />(E) "Note" means the promissory note signed by Borrower and dated M�1RCH 2 8, 2 011 . <br />The Note states that Borrower owes Lender ONE HUNDRED SIXTY-EIGHT THOUSAND AND <br />00/100 Dollars(U.S.$ 168�000.00 ) <br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later <br />than APRIL 1� 2041 . <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 <br />the Note, and all sums due under this Security Instrument, plus interest. <br />{I� "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are <br />to be exeeuted by Borrower [check box as applicable]: <br />❑ Adjustable Rate Rider <br />❑ Balloon Rider <br />❑ 1-4 Family Rider <br />❑ Condominium Rider <br />❑ Planned Unit Development Rider <br />❑ Biweekly Payment Rider <br />❑ Second Home Rider <br />❑ Other(s) [specify] <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 <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 Property by a condominium association, homeowners association or similar <br />organization. <br />� <br />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1l01 Page 1 of 11 <br />DocMeglc � <br />www.docmagic.com <br />� � �� <br />`S � <br />Ne3028. dot. �anl <br />