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<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 RYAN HAPPOLD AND SHENTELL HAPPOLD HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1101 12TH STREET, AURORA, NEBRASKA 68818-0329
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is TIERONE BANK, P.O. BOX 83009, LINCOLN, NEBRASKA 68501
<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 SEVENTY TWO THOUSAND AND 00/100
<br />Dollars (U. S. $ 7 2, 0 0 0. 0 0 )
<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 />(I) "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.
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<br />NEBRASKA -- Single FamiV- -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagictltoffm),�b 800-649-1362
<br />Form 3028 1/01 Page 1 of 13 www.docmagic.com
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<br />After Recording Return To:
<br />HERITAGE BANK
<br />1101 12TH STREET
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<br />AURORA, NEBRAS KA 68818-0329
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<br />Loan Number: 03- 024632
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<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 RYAN HAPPOLD AND SHENTELL HAPPOLD HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1101 12TH STREET, AURORA, NEBRASKA 68818-0329
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is TIERONE BANK, P.O. BOX 83009, LINCOLN, NEBRASKA 68501
<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 SEVENTY TWO THOUSAND AND 00/100
<br />Dollars (U. S. $ 7 2, 0 0 0. 0 0 )
<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 />(I) "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 />l' �_ Or
<br />NEBRASKA -- Single FamiV- -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagictltoffm),�b 800-649-1362
<br />Form 3028 1/01 Page 1 of 13 www.docmagic.com
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