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Return To: <br />Heritage Ba <br />PO BOX , 21 2nd Street <br />St. NE 68873 <br />Prepared By: Heritage Bank <br />PO BOX 84, 821 2nd Street <br />St. Paul, NE 68873 <br />(B) "Borrower" is Richard L. Dubbs and Kristi L. Dubbs, Husband and Wife <br />Borrower is the trustor under this Security Instrument. <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />Deed of Trust <br />(0 <br />CT) <br />Definitions <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated 02-19-2016 , together with all <br />Riders to this document. <br />Form 3028 1/01 <br />VMP6(NEI (13021.00 <br />Page 1 of 17 <br />CD <br />