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�o <br />C <br />Gi i >Z <br />= N <br />After Recording Return To: <br />HERITAGE BANK <br />1333 N WEBB RD <br />GRAND ISLAND,NEBRASKA 68803 <br />Loan Number: 2310723 <br />DEFINITIONS <br />C1 <br />M <br />CX <br />?LA <br />'' <br />p •> <br />C� <br />r <br />r <br />c <br />Z --i <br />M. <br />N <br />^' <br />:- <br />N <br />-- <br />c- <br />n' <br />C7-) <br />o P <br />Z3 <br />r— <br />CD <br />CD <br />... <br />ca <br />Z <br />200307596 <br />c' <br />Q <br />° <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <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 JUNE 13, 2003 , together <br />with all Riders to this document. <br />(B) 'Borrower" is DAVID S. SANDER AND LORI M. KROLIKOWSKI HUSBAND AND <br />WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a BANKING CORPORATION organized <br />and existing under the laws of NEBRASKA <br />Lender's address is 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is TIERONE BANK <br />(E) "Note" means the promissory note signed by Borrower and dated JUNE 13 , 2 0 0 3 <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY FIVE THOUSAND <br />FOUR HUNDRED AND 00/100 Dollars (U.S. $125, 400 . 00 ) <br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later <br />than JULY 1, 2023 <br />(F) "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 <br />Form 3028 1/01 Page 1 of 13 <br />N00281.dot <br />DocMagk (to y 800 -649- -1362 <br />www.docma ic.com <br />�I <br />