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N <br />01 <br />0 <br />W <br />O <br />W <br />Ne3028.dot.xmt <br />After Recording Return To: <br />HERITAGE BANK <br />PO BOX 84, 821 2ND STREET <br />ST. PAUL, NEBRASKA 68873 <br />Loan Number: 2106446 <br />DEFINITIONS <br />73 <br />ITS <br />m <br />Z <br />m vs <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 JANUARY 15 , 2015 , together <br />with all Riders to this document. <br />(B) "Borrower" is KENNETH R . WILLIAMS AND CINDY M . WILLIAMS , HUSBAND <br />AND WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a NEBRASKA CORPORATION organized <br />and existing under the laws of NEBRASKA <br />Lender's address is PO BOX 84, 821 2ND STREET, ST. PAUL, NEBRASKA 68873 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is WEST GATE BANK <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 15 , 2015 <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY THOUSAND AND <br />00 /100 Dollars (U.S. $ 120, 000.00 ) <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Pagan of 14 <br />A n <br />M vi <br />A Z <br />7C ! <br />DoclMaglc eatena <br />www.docmagic.com <br />