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N60281.dot DEED OF TRUST 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 the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated APRIL 17, 2003 , together with all Riders to this document. (B) 'Borrower" is EDMUND R. KERSHAW III AND ANN MICHELLE KERSHAW, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated APRIL 17, 2003 The Note states that Borrower owes Lender EIGHTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 8 5, 0 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MAY 1, 2018 (IF) "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. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagic 800-649-1362 Form 3028 1 /01 Page 1 of 13 www.docmagic.com 4 h V Z y -mn S y Z _ M rn N f/f _ n C!> C 1> N (a rm Z --A m CL (7) O rn U D cu p rn o 3 r— r x5- crt After Recording Return To: Cn ~ cn n O CID HERITAGE BANK CZ) u1 1333 N WEBB RD o Cn 17 GRAND ISLAND,NEBRASKA 68803 Loan Number: 99 -0144 200305057 [Space Above This line For Recording Data] N60281.dot DEED OF TRUST 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 the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated APRIL 17, 2003 , together with all Riders to this document. (B) 'Borrower" is EDMUND R. KERSHAW III AND ANN MICHELLE KERSHAW, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated APRIL 17, 2003 The Note states that Borrower owes Lender EIGHTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 8 5, 0 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MAY 1, 2018 (IF) "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. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagic 800-649-1362 Form 3028 1 /01 Page 1 of 13 www.docmagic.com 4 h V