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[Space Above Ms Line For Recording Data) DEED OF TRUST � JU DEFINITIONS Loan Number: 2232000 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 OCTOBER 18 12002 , together with all Riders to this document. (B) 'Borrower" is DOYLE RATHMAN AND REGINA J RATHMAN HUSBAND AND WIFE AS JOINT TENANTS Borrower is the tmstor 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 Central National Bank, P.O. Box 268 Superior NE 68978 -0268 (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 18 , 2002 . The Note states that Borrower owes Lender ONE HalDRED SEVENTEEN Tf-IDUSAND FIVE HCMRED AND 00 /100 Dollars (U.S. $ 117,500.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than NOVEMBER 1, 2009 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) " Load' means the debt evidenced by the Note, plus interest, my prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA— Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT OalaflX H M= coo 649 1362 Farm 3028 1101 Page 1 of 13 reww.docm�le /gni /a c�om w�srm, C1 N r) r m n� 1 r r� �1 N GJ M N After Recording Return To: O HERITAGE BANK 110 E 9TH STREET 2p0.30O004� WOOD RIVER, NEBRASKA 68883 [Space Above Ms Line For Recording Data) DEED OF TRUST � JU DEFINITIONS Loan Number: 2232000 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 OCTOBER 18 12002 , together with all Riders to this document. (B) 'Borrower" is DOYLE RATHMAN AND REGINA J RATHMAN HUSBAND AND WIFE AS JOINT TENANTS Borrower is the tmstor 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 Central National Bank, P.O. Box 268 Superior NE 68978 -0268 (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 18 , 2002 . The Note states that Borrower owes Lender ONE HalDRED SEVENTEEN Tf-IDUSAND FIVE HCMRED AND 00 /100 Dollars (U.S. $ 117,500.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than NOVEMBER 1, 2009 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) " Load' means the debt evidenced by the Note, plus interest, my prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA— Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT OalaflX H M= coo 649 1362 Farm 3028 1101 Page 1 of 13 reww.docm�le /gni /a c�om w�srm,