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70 <br />M <br />G <br />Z <br />N <br />fTl N <br />7C = <br />After Recording Return To: <br />d3ERITAGE BANK <br />110 E 9TH STREET <br />WOOD RIVER,NEBRASKA 68883 <br />Loan Number: 2430022 <br />DEFINITIONS <br />C1 (1 <br />ev <br /><.:3 <br />C) M <br />Q fri <br />`� <br />C) — � <br />+J <br />r=TI N <br />_3 <br />Z <br />Ci <br />7C <br />M <br />m <br />—1 rn <br />p <br />O <br />O <br />o t <br />p <br />-*t <br />( <br />M <br />O <br />M <br />Vf <br />tr on <br />� <br />fV <br />CD <br />)> <br />n <br />J <br />Q <br />Q0 i <br />cn <br />-v <br />r <br />200402277 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />9ss <br />a <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 MARCH 1, 2004 together <br />with all Riders to this document. <br />(B) 'Borrower" is JOHN D WILLOUGHBY AND JOYCE M WILLOUGHBY HUSBAND <br />AND WIFE AS JOINT TENANTS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a CORPORATION organized <br />and existing under the laws of NEBRASKA <br />Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is CENTRAL NATIONAL BANK PO BOX 268 SUPERIOR NE 68978 <br />(E) "Note" means the promissory note signed by Borrower and dated MARCH 1, 2004 <br />The Note states that Borrower owes Lender TWO HUNDRED SEVENTY TWO THOUSAND AND <br />00 /100 Dollars(U.S. $272, 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 MARCH 1, 2019 <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 />Qom, i q-mui <br />Ne30281.dot <br />DocMagiceUtoffnmg� 800-649 -1362 <br />www.docmagic.com <br />