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NE30281.DOT [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 FEBRUARY 16 2002, together with all Riders to this document. (B) 'Borrower" is JAMES A. SMITH AS HIS SOLE AND SEPARATE PROPERTY Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is HERITAGE BANK, 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 16 2002 The Note states that Borrower owes Lender THIRTY FOUR THOUSAND AND 00/100 Dollars (U.S. $ 34 , 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 MARCH 1, 2017 (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. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider _�� NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT M = D Page 1 of 13 www.docmagic.com o c� cn O C rn CA o —4 N ® r'' —� R' o co After Recording Return To: _ `rn' " a ry o oco Q, HERITAGE BANK r : —1 ?' � N 110 E 9TH STREET '' oy WOOD RIVER, NEBRASKA 6888 r, t r"' r\-39 Loan Number: 3031560 N r-' oW Cn [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 FEBRUARY 16 2002, together with all Riders to this document. (B) 'Borrower" is JAMES A. SMITH AS HIS SOLE AND SEPARATE PROPERTY Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is HERITAGE BANK, 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 16 2002 The Note states that Borrower owes Lender THIRTY FOUR THOUSAND AND 00/100 Dollars (U.S. $ 34 , 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 MARCH 1, 2017 (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. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1 -4 Family Rider ❑ Biweekly Payment Rider _�� NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagic o 800- 649 -1362 Form 3028 1/01 Page 1 of 13 www.docmagic.com I U/1, �"1 5 _(