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IOW ISSV 'i'9 <br />After Recording Return To: <br />HEARTLAND BANK <br />3701 OSBORNE DRIVE <br />HASTINGS, NEBRASKA 68901 <br />Loan Number: 062025 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />..,_. VTI <br />C: <br />MIN: 100740094700020254 MERS Phone: 888-679-6377 <br />DEFINITIONS <br />N <br />c <br />N <br />CD <br />CD <br />1 <br />Q) <br />rT1 <br />r'n <br />rn <br />teb <br />totrn <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 SEPTEMBER 23, 2020 , together <br />with all Riders to this document. <br />(B) 'Borrower"is Stacy Kramer, a single person AND Kevin Christenson a single <br />person <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HEARTLAND BANK <br />Lender is a NEBRASKA BANKING CORPORATION <br />and existing under the laws of NEBRASKA <br />Lender's address is 3701 OSBORNE DRIVE, HASTINGS, NEBRASKA 68901 <br />(D) "Trustee" is West Gate Bank <br />6003 Old Cheney Road, Lincoln, Nebraska 68501 <br />organized <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS <br />Form 3028 1/01 <br />Page 1 of 15 <br />DocMagic ervizinfM <br />www. docmaglc. com <br />