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DEED OF TRUST 200113419 DEFINITIONSC? Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated DECEMBER 20 , 2001, together with all Riders to this document. (B) "Borrower" is MICHAEL A. SOTO AND MISTY L. SOTO HUSBAND AND WIFE AS JOINT TENANTS Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is HERITAGE BANK, 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 (E) "Note" means the promissory note signed by Borrower and dated DECEMBER 20 2001 The Note states that Borrower owes Lender SIXTY THREE THOUSAND AND 00/100 Dollars (U.S. $ 63 , 000 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2017 (I) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ CM C? C/) CD rM > N After Recording Return To: C m f1 W = "` L r� 4 —+ rn O c„ HERITAGE BANK S D �� N r o MW 110 E 9TH STREET m *� '� �� „ ~ �_ WOOD RIVER, NEBRASKA 688 � _� n T rrl � Loan Number: 2345383 1-*, M -D =3 7' `" C,) Cn Cn N Cf) s co co Q0 2 �e Cn O [Space Above This Line For Recording Data] DEED OF TRUST 200113419 DEFINITIONSC? Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated DECEMBER 20 , 2001, together with all Riders to this document. (B) "Borrower" is MICHAEL A. SOTO AND MISTY L. SOTO HUSBAND AND WIFE AS JOINT TENANTS Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is HERITAGE BANK, 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 (E) "Note" means the promissory note signed by Borrower and dated DECEMBER 20 2001 The Note states that Borrower owes Lender SIXTY THREE THOUSAND AND 00/100 Dollars (U.S. $ 63 , 000 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2017 (I) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagktE�t VR-Q- 800-649-1362 Form 3028 1/01 Page 1 of 13 www.docmagic.com NE30281.DOT