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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 OCTOBER 14 _ 2002 together with all Riders to this document. (B) "BOrrower"is GREGORY M CRAMER AND SHANNILEE S BARNHART CRAMER HUSBAND AND WIFE AS JOINT TENANTS 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 Central National Bank, P.O. Box 268 Superior Nebraska 68978 -0268 (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 14 , 2002 . The Note states that Borrower owes Lender FIFTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 55 , 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 NOVEMBER 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. NEBRASKA — Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT O aglc� eoo 649 136 Form 3028 1/01 Page 1 of 13 www.docmagic.com .In 1 T j = n In C in N \�. N D I -a tD ] in S � o m ♦ fV ...Cai Ul N G71 N O After Recording Return To HERITAGE BANK 200211606 110 E 9TH STREET WOOD RIVER, NEBRASKA 68863 [Space Above This Line For Recording Data] DEED OF TRUST 0 DEFINITIONS Loan Number: 2232987 ° 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 OCTOBER 14 _ 2002 together with all Riders to this document. (B) "BOrrower"is GREGORY M CRAMER AND SHANNILEE S BARNHART CRAMER HUSBAND AND WIFE AS JOINT TENANTS 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 Central National Bank, P.O. Box 268 Superior Nebraska 68978 -0268 (E) "Note" means the promissory note signed by Borrower and dated OCTOBER 14 , 2002 . The Note states that Borrower owes Lender FIFTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 55 , 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 NOVEMBER 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. NEBRASKA — Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT O aglc� eoo 649 136 Form 3028 1/01 Page 1 of 13 www.docmagic.com .In