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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 die usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated JANUARY 15 , 2003, together with all Riders to this document. (B) 'Borrower " is DALE C RAUCH AND PAMELA S RAUCH, HUSBAND AND WIFE AS JOINT TENANTS Borrower is the =for under this Security Instrument. (C) "Lender" is HEARTLAND MORTGAGE CORP Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lenders address is 4602 S 132ND STREET, OMAHA, NEBRASKA 68137 (D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a Separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security htstraument. MERS is organized and existing under the laws of Delaware, and has anaddress and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated JANUARY 15 , 2003. The Now states that Borrower owes Lendu ONE HIR= ONE THDUSAND SIX HOFIDRED FIFTY AND 00 /100 Dollars(U.S.$ 101,650.00 ) plus interest. Borrower bas promised to pay this debt in regular Periodic Payments and to pay the debt in full not later dum FEBRUARY 1, 2033 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." NEBRASKA -- Single Family— Fannie Mae /Freddie Mae UNIFORM INSTRUMENT- MERS OocMag 80a,. -r2e2 Form 3028 1/01 Page 1 of 13 www.d agic.rom [K N itl2 n—d 1 n 1P m =, n � _ M fsY c n Zr r o D t3 vv After Recording Return To: n HEARTLAND MORTGAGE CORP 4602 S 132ND STREET OMAHA,NEBRASKA 68137 200300791 [Space Above lbio Lice For Rewrdhrg Data] 2 oa DEED OF TRUST Loan Number: 0074779737 MIN:KN: 1000139 - 0074779737 -5 DEFINITIONS 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 die usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated JANUARY 15 , 2003, together with all Riders to this document. (B) 'Borrower " is DALE C RAUCH AND PAMELA S RAUCH, HUSBAND AND WIFE AS JOINT TENANTS Borrower is the =for under this Security Instrument. (C) "Lender" is HEARTLAND MORTGAGE CORP Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lenders address is 4602 S 132ND STREET, OMAHA, NEBRASKA 68137 (D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a Separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security htstraument. MERS is organized and existing under the laws of Delaware, and has anaddress and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated JANUARY 15 , 2003. The Now states that Borrower owes Lendu ONE HIR= ONE THDUSAND SIX HOFIDRED FIFTY AND 00 /100 Dollars(U.S.$ 101,650.00 ) plus interest. Borrower bas promised to pay this debt in regular Periodic Payments and to pay the debt in full not later dum FEBRUARY 1, 2033 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." NEBRASKA -- Single Family— Fannie Mae /Freddie Mae UNIFORM INSTRUMENT- MERS OocMag 80a,. -r2e2 Form 3028 1/01 Page 1 of 13 www.d agic.rom [K N itl2 n—d 1