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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 JULY 1 , 2 0 0 3 together with all Riders to this document. (B) 'Borrower" is RICHARD D. ARNOLD AND DARLENE D. ARNOLD HUSBAND AND WIFE AS JOINT TENANTS 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 1101 12TH STREET, AURORA, NEBRASKA 68818-0329 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK, P.O. BOX 83009, LINCOLN, NEBRASKA 68501 (E) "Note" means the promissory note signed by Borrower and dated JULY 1, 2003 The Note states that Borrower owes Lender THIRTY SIX THOUSAND AND 00/100 Dollars (U.S. $ 3 6, 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, 2018 (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 Wo 9 800 - 649 -1362 www.docmagic.coin N60281.dot 1111111111111111111111111111111111111111111111111111111111111111 A (1 f') M = D c Z M N n = CZ `.� rri r=n D to `:= _ ' o - � C:) m z N O to •' '.��`i N Ret Env. �J , � Try C7 �� f 2 r: --v �� � - i s r�- v � co � . �. �, After Recording Return To: HERITAGE BANK t -+ Cn Z 1101 12TH STREET (nn -.0 URORA,NEBRA. SKA688 -0329 Loan 30 200308784 [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 JULY 1 , 2 0 0 3 together with all Riders to this document. (B) 'Borrower" is RICHARD D. ARNOLD AND DARLENE D. ARNOLD HUSBAND AND WIFE AS JOINT TENANTS 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 1101 12TH STREET, AURORA, NEBRASKA 68818-0329 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK, P.O. BOX 83009, LINCOLN, NEBRASKA 68501 (E) "Note" means the promissory note signed by Borrower and dated JULY 1, 2003 The Note states that Borrower owes Lender THIRTY SIX THOUSAND AND 00/100 Dollars (U.S. $ 3 6, 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, 2018 (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 Wo 9 800 - 649 -1362 www.docmagic.coin N60281.dot 1111111111111111111111111111111111111111111111111111111111111111