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[Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS S Words used in multiple sections of this document are defined below and other words are defined in Sections 3, I1, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security instrumenf' means this document, which is dated FEBRUARY 28, 2003 , together with all Riders to this document. (B) "Borrower" is KYLE L STERNER AND REBECCA L STERNER 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 Heritage Bank PO Box 487 1.10 E 9th Street Wood River WE 68883 (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 28, 2 0 03 The Note states that Borrower owes Lender ONE HUNDRED TWENTY THREE THOUSAND FIVE HUNDRED AND 00 /100 Dollars(U.S.$123,500.00 ) plusinterest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MARCH 1, 2033 (F) "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. 0 loexm, 1 nn c n i Frl Z 74 o c, rn o 7 n m ( N _ 9 zD rv� D o Fr rn y: tl o 0 o After Recording Return To: cn N G HERITAGE BANK 110 E 9TH STREET WOOD RIVER,NEBRASKA 68883 Loan Number: 610300790 200302680 c p „ [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS S Words used in multiple sections of this document are defined below and other words are defined in Sections 3, I1, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security instrumenf' means this document, which is dated FEBRUARY 28, 2003 , together with all Riders to this document. (B) "Borrower" is KYLE L STERNER AND REBECCA L STERNER 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 Heritage Bank PO Box 487 1.10 E 9th Street Wood River WE 68883 (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 28, 2 0 03 The Note states that Borrower owes Lender ONE HUNDRED TWENTY THREE THOUSAND FIVE HUNDRED AND 00 /100 Dollars(U.S.$123,500.00 ) plusinterest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MARCH 1, 2033 (F) "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. 0 loexm, 1