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;a YI ^ After Recording Return To: HERITAGE BANK 1333 N WEBB RD GRAND ISLAND,NEBRASKA 68803 Loan Number: 2310724 DEFINITIONS M N f1 2 x � [Space Above This Line For Recording Data] DEED OF TRUST C C) —� C__ A M u � � r cn x a W 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 JUNE 18, 2003 , together with all Riders to this document. (B) "Borrower" is ANN MICHELLE KERSHAW AND EDMUND R. 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 I S LAND , 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 JUNE 18 , 2 0 0 3 The Note states that Borrower owes Lender SIXTY SEVEN THOUSAND AND 00/100 Dollars (U.S. $ 6 7, 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 JULY 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. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Page 1 of 13 N60281.dot DocMagic 800- 649 -1362 www.docmagic.com m �- O �p N O O W ON�t --j CCD N r�..r. 00 Z O 4 I � r•a w r �~ co ^T `U � fa W 20030772` [Space Above This Line For Recording Data] DEED OF TRUST C C) —� C__ A M u � � r cn x a W 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 JUNE 18, 2003 , together with all Riders to this document. (B) "Borrower" is ANN MICHELLE KERSHAW AND EDMUND R. 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 I S LAND , 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 JUNE 18 , 2 0 0 3 The Note states that Borrower owes Lender SIXTY SEVEN THOUSAND AND 00/100 Dollars (U.S. $ 6 7, 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 JULY 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. NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Page 1 of 13 N60281.dot DocMagic 800- 649 -1362 www.docmagic.com m �- O �p N O O W ON�t --j CCD N r�..r. 00 Z O 4