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1y� �Lel�d�� is Heritage Bank Lender is a Corporation organized and eausting under the laws of the stete of Nebraska Lender's address 1s PO Box 84. 8212nd Street, St. Paul, NE 68873 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Heritage Bank (E) "Note" means the promissory note signed by Borrower and dated 11-22•2011 states that Borrower owes Lender one hundred sixty two thousand five hundred and no�100 The Note Dollars (U.S. $ 16z,500.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 12•01•2016 , (F) "Property" means the progerty tha'r is described below under the heading "Transfer of �igtits 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. (H) "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]: 0 Adjustable Rate Rider � Condominium Rider 0 Second Home Rider � Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider � VA Rider 0 Biweekly Payment Rider � Other(s) [specify] (1) "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. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Bonower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a fina�cial institutionto debit or crec�it an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third parly (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (rii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Finencial Services �..9 � �O��o��i� Form 3028 1 /01 VMPB�NE) (1106).00 Page 2 of 77