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M <br />M <br />an <br />46 <br />C) cn <br /> <br />rn <br />K <br />N - <br />> <br />5 <br />~ <br />p <br />0 <br />28 <br />o <br />F-► <br />c <br />_ <br />Oo <br />1f! <br />e . <br />Ci7 <br />n <br />C> <br />rn <br />h" co <br />1--Z <br />00 <br />-M <br />coc: <br />es~s, <br />c) n <br />C3 ! - , <br />u~ <br />c,o l <br />~ <br /> f <br />After Recording Return To: <br />HERITAGE BANK <br />800 WEST 3RD <br />HASTINGS, NEBRASKA <br />68901 <br />Loan Number: 105681 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFINITIONS <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 NOVEMBER 8, 2011 > together <br />with all Riders to this document. <br />(B) "Borrower" is SAMUEL J. TRAUSCH AND KELSEY E. TRAUSCH HUSBAND AND <br />WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a NEBRASKA BANKING CORPORATION organized <br />and existing under the laws of NEBRASKA <br />Lender's address is 800 WEST 3RD, HASTINGS, NEBRASKA 68901 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is WEST GATE BANK <br />(E) "Note" means the promissory note signed by Borrower and dated NOVEMBER 8, 2011 <br />The Note states that Borrower owes Lender ONE HUNDRED SEVENTY-SIX THOUSAND AND <br />) <br />00/100 Dollars (U.S. $ 176,000-00 <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 DECEMBER 1, 2026 <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 executed by Borrower [check box as applicable]: <br />❑ <br />Adjustable Rate Rider <br />❑ <br />Balloon Rider <br />❑ <br />1-4 Family Rider <br />❑ <br />Condominium Rider <br />❑ Planned Unit Development Rider <br />❑ Biweekly Payment Rider <br />❑ Second Home Rider <br />❑ Other(s) [specify] <br />(1) "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 />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT DocMag(c evema <br />Form 3028 1/01 Page 1 of 11 www.docmagk.com <br />Ne3028.dotmil <br />