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M <br />2 D <br />m y <br />m 0 c <br />11 2 ` <br />CE <br />CD <br />D i <br />O � O <br />Co Q <br />Z rrr C/7 <br />_C <br />` 3 v w o <br />3 <br />Q uy r" A Q) <br />W v �>.. O .`3. <br />After Recording Return To: C <br />HERITAGE BANK <br />110 E 9TH STREET <br />WOOD RIVER, NEBRASKA 68883 200206501 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST �S, Sp <br />DEFINITIONS Loan Number: 2230920 <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 MAY 31 12002 <br />together with all Riders to this document. <br />(B) "Borrower" is KIRK D. SCHROEDER AND AMBER L. SCHROEDER HUSBAND <br />AND WIFE AS JOINT TENANTS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is HERITAGE BANK <br />Lender is a CORPORATION organized <br />and existing under the laws of NEBRASKA <br />Lender's address is 110 E 9TH STREET, WOOD RIVER, NEBRASKA 68883 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee "is CENTRAL NATOINAL BANK, P.O. BOX 268, SUPERIOR, <br />NEBRASKA 68978 -0268 <br />(E) "Note" means the promissory note signed by Borrower and dated MAY 31 2002 <br />. <br />The Note states that Borrower owes Lender ONE HUNDRED FORTY SEVEN THOUSAND AND <br />00/100 Dollars (U.S. $ 147,000.00 ) plus interest. Borrower has promised to pay <br />this debt in regular Periodic Payments and to pay the debt in full not later than JUNE 1, 2032 <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 <br />Form 3028 1/01 <br />FORM INSTRUMENT DocMagicCP r'mn . 800- 649 -1362 <br />Page 1 of 13 www.docmagic.com <br />4, <br />1 <br />