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<br />DEFINITIONS
<br />DEED OF TRUST
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<br />Words used in multiple sections of this document are defined 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 this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated ....................... DI:l�•�Ql �............................., together
<br />with all Riders to this document.
<br />B) "Borrower" is .RAVIR.�,. �lQFEMAN.�4� �lNA K, HQFFMAN .Hy�hand�n� W�f� ...................................................................
<br />......................................................................................................................................................... .
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is Fleritage Bank ... ... ... ... ... ... ... ... ... ... ... ... ... ...... ... ... ... ... ... ... ... ... ... ...... ... ... ... ... ... ... ... ... ... ... ... ... ... .
<br />Lender is a .CQrporation .. ........................................................................................... organized and existing under
<br />the laws of .thB.St�t6.Q#NQb�aik.a ........................................... . Lender's address is .���3NOffb.W.4b�.RR�d..P..O.,BoX 5�38,......
<br />.Gt�od.l�►�A�,.NE. s$$4? ................................................................................................................................ .
<br />Lender is the beneficiary under this Securiry Instrument.
<br />(D) "Trt�tce" is IieritaQe Bank PO BOX 5138 , GRAND ISLAND� IVE, 68802 . ... ... ... ... ... ... ... ...... .. . ... ... ... ... ... ... ... ... ... ... ... ... ... ... .
<br />(E) "Note" means ihe promissory note signed by Bonower and dated R1. :1 �:24 ] ] .. . .. . . .. . .. . . . . .. . .. . .. . .. . . . ... . .. . .. . . . . . . . . . .. . . The
<br />Note states that Bonower owes Lender I1NO.�und��d tw�nly. sii thaUS�nd altd na11.QQ ... ... ... ... ... ...... ... ... ... ... ...... ... ......... ... ... ... ..
<br />..... ........................................ Dollars (U.S. $ 226,000 .) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than .....................Q8:41: zQ]4....................
<br />........................................................................................................................................................ .
<br />(� "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 We Note, plus interest, any prepayment charges and late charges due under the Note,
<br />and all sums due under this Security Instrument, plus interest.
<br />(I3) "Riders" means all Riders to this Security Instrument that are executed by Bonower. The following Riders aze to be
<br />executed by Bonower [check box as applicable]:
<br />� Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider � Planned Unit Development Rider ❑ Other(s) [specify] .......................
<br />CJ 1-4 Family Rider ❑ Biweekly Payment Rider
<br />(n "Applicable Law" means a11 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 opinions.
<br />(� "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other tha.n a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tage so as to
<br />order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(L) "Escrow Items" means those items that aze described in Section 3.
<br />(11� "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(other than. insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destrucrion of, the
<br />Properry; (ii) condemnation or other taking of all or any part of the Progerty; (iii) conveyance in lieu of condemnation; or (iv)
<br />misrepresentations of, or omissions as to, the value and/or condition of the Pro�rty.
<br />{l� "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(0) "Peritodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ri) any
<br />amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Rea1 Estate Settlement Pzocedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,
<br />Regulation X(24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or
<br />regulation that governs the sam.e subject matter. As used in this Securiry Instrument, "RESPA" refers to all requirements and
<br />restrictions that are imposed in regard to a"federally related mortgage loan" even if the Loan does not qualify as a"federally
<br />related mortgage loan" under RESPA.
<br />(Q) "Successor �1n Interest of Borrower" means any party that has taken title to the Progerty, whether or not that party has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
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<br />Form 3028 1/01
<br />M9�RA�KA-•-eingle �amtly--Pannle Mas/Preddle Mae UNIFOIiM INSTRUMENT I�������
<br />Bankere Syatema, Inc., St. Cloud, MN Form MD 8/17/2000
<br />raf: t/200t (page 1 of 7 pagesj J B 2 A 0
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