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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 DECEMBER 30, 2 0 0 3 , together <br />with all Riders to this document. <br />(B) 'Borrower" is WAYNE R. GARRETT AND KIMBERLY D. GARRETT HUSBAND <br />AND WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a BANKING CORPORATION <br />and existing under the laws of NEBRASKA <br />Lender's address is 13 3 3 N WEBB RD, <br />GRAND ISLAND, NEBRASKA 68803 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is TIERONE BANK <br />organized <br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 30, 2 0 0 3 <br />The Note states that Borrower owes Lender TWO HUNDRED EIGHT THOUSAND AND <br />00 /100 Dollars (U.S. $208, 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 JANUARY 1, 2034 <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 />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 1 of 13 <br />N60281.dot <br />DocMagic 00 -649 -1 62 <br />www.docmagic.com <br />d <br />a <br />T <br />(� <br />3: <br />c <br />�? <br />ITi <br />C <br />rT7 <br />Cr, <br />� <br />O W <br />C:> <br />+n <br />AA <br />V�I <br />ijj <br />(�) <br />Q <br />C7 <br />�I <br />1.._1 <br />Z3 <br />° <br />3 <br />CID <br />y <br />CX> <br />CID <br />� <br />Z <br />After Recording Return To: <br />0 <br />HERITAGE BANK <br />1333 N WEBB RD <br />2U�4�1�� <br />V <br />d <br />GRAND ISLAND,NEBRASKA <br />68803 <br />Loan Number: 2310799 <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 DECEMBER 30, 2 0 0 3 , together <br />with all Riders to this document. <br />(B) 'Borrower" is WAYNE R. GARRETT AND KIMBERLY D. GARRETT HUSBAND <br />AND WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a BANKING CORPORATION <br />and existing under the laws of NEBRASKA <br />Lender's address is 13 3 3 N WEBB RD, <br />GRAND ISLAND, NEBRASKA 68803 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is TIERONE BANK <br />organized <br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 30, 2 0 0 3 <br />The Note states that Borrower owes Lender TWO HUNDRED EIGHT THOUSAND AND <br />00 /100 Dollars (U.S. $208, 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 JANUARY 1, 2034 <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 />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 Page 1 of 13 <br />N60281.dot <br />DocMagic 00 -649 -1 62 <br />www.docmagic.com <br />d <br />