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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 68603 Under is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated MAY 14 , 2 0 0 3 The Note states that Borrower owes Lender ONE HUNDRED TWENTY ONE THOUSAND AND 00 /100 Dollars (U.S. $ 121, 000. 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JUNE 1, 2023 (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. Form 3020 1 rv�wjarmi Mac UNIFORM INSTR Page 1 of 13 ry = D ' 73 _ I m W 3 0 8 :3 r A r a .. ` �+ C °B m 2 VI N lam' After Recording Return To: I °' Z HERITAGE BANK Q 1333 N WEBB RD GRAND 23110709 68803 200306764 Numbber; —. [Space Above This Line For Recording Data] 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 MAY 14, 2003 , together with all Riders to this document. (B) "Borrower" is WAYNE R. BREHM, MARTHA SUE BREHM, TRUSTEES OF THE WAYNE R. BREHM AND MARTHA SUE BREHM LIVING REVOCABLE TRUST 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 68603 Under is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated MAY 14 , 2 0 0 3 The Note states that Borrower owes Lender ONE HUNDRED TWENTY ONE THOUSAND AND 00 /100 Dollars (U.S. $ 121, 000. 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JUNE 1, 2023 (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. Form 3020 1 rv�wjarmi Mac UNIFORM INSTR Page 1 of 13