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X <br />A <br />n <br />t <br />O <br />o <br />m <br />o <br />2 <br />D <br />ZO.: <br />Jo <br />O +t <br />O <br />In <br />N <br />O <br />CD <br />W <br />r <br />On <br />N <br />Ui <br />After Recording Return To <br />HERITAGE BANK <br />110 E 9TH STREET <br />WOOD RIVER,NEBRASKA <br />68883 <br />[Space Above This Line For Recording Data] �. <br />DEED OF TRUST s <br />n <br />DEFINITIONS Loan Number: 609492418 <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 JANUARY 10 12003, <br />together with all Riders to this document. <br />(B) "Borrower" is LOREN MILLER AND CHLOE ANN MILLER HUSBAND AND WIFE <br />AS JOINT TENANTS <br />Borrower is the tmslor 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 Heritage Bank 110 E 9th Street Wood River HE 68883 <br />(E) "Note" means the promissory note signed by Borrower and dated JANUARY 10 , 2003 <br />. <br />The Note states that Borrower owes Lender SIXTY ONE THOUSAND TWO HUNDRED AND <br />()()/100 Dollars (U. S. $ 61 , 2 0 0 . 0 0 ) plus interest. Borrower has promised to pay <br />this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1, 2033 <br />(1) "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 � 8W643 f362 <br />Form 3028 1 B Page 1 of 13 �}=� www.COCmagic.cam <br />.loo do, <br />