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.�� �� �� � e � � �� � �� 0 � �� � c� = �� — �� �� �� Ne3028.dot.xml r� � � � � � � �,� � �5 �� � � P� � $= � �: �, � �� T� a After Recordmg Retum To: HERITAGE BANK PO BOX 84, 821 2ND STREET ST. PAUL, NEBRASKA 68873 Loan Number: 10-1549 DEFINITIONS (Space Above This Line For Recording Data] DEED OF TRUST � � � s ` - � � r �-- r �, �: � � �,,_ —c 0 N 77 �_ � f�'i � tn � �7 m � -� � �- �._, � r o � ., N m � 0 4� e� �n o —i c a z —+ � m � o O T1 � Z S �T1 ',r Cv r � r � � � D Cs� EY� Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (B) "Borrower" is KIRK R BACKLTS AND ROBIN R BACKLTS, HUSBAND AND WIFE AS JOINT TENANTS AND NOT AS TENANTS IN COMMON (A) "Security Instrument" means this document, which is dated MAY 16 , 2 011 , together with all Riders to this document. Bonower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a organized and existing under the laws of NEBRASKA • Lender's address is PO BOX 84, 821 2ND STREET, ST. PAUL, NEBR.ASKA 68873 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is WEST GATE BANK 6003 OLD CHENEY ROAD, LINCOLN, NEBRASKA 68516 . (E) "Note" means the promissory note signed by Borrower and dated MAY 16 , 2 011 • The Note states that Borrower owes Lender ONE HL7NDRED FORTY-THREE THOUSAND AND 00/100 Dollazs (U.S. $ 143, 000 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payrnents and to pay the debt in full not later than JLTNE 1, 2 0 2 6 . (I+� "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "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 Bonower. The following Riders are to be executed by Borrower [check box as applicable]: � Adjustable Rate Rider � Balloon Rider � 1-4 Family Rider � Condaminium Rider � Planned Unit Development Rider � Biweekly Payment Rider � Second Home Rider � Other(s) [specify] (n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (.n "Community Association Dues, Fces, and Assessments" means all dues, fees, assessments �nd ocr,::r charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/O1 Page 7 of 11 �� 1( �1 �ocMag�c � www.docmagic.com V o � O � F�—a �� O � GJ � � ca � CD � � s _ s�;