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NUMB 0O0IMEfT DOCU CANCELS "N GA ELL6r V' f+ N 2 N After Recording Rennn To: - - HERITAGE BANK 200213603 110 E 9TH STREET WOOD RIVER, NEBRASKA 68883® [Space Above Tlds Line For Recording Datal, DEED OF TRUST DEFINITIONS Loan Number: 609253356 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 roles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated NOVEMBER 29 12002 , together with all Riders to this document. (B) "Borrower" is DOUGLAS L ROTH AND TRACEY L ROTH HUSBAND AND WIFE AS JOINT TENANTS Borrower is the tmstor 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 NOVEMBER 29 , 2002 . The Note states that Borrower owes Lender ONE HUNDRED SIXTEEN THOUSAND AND 0o/100 Dollars (N.S. $ 116 , 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 JANUARY 1, 2 03 3 (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 DocMag/ceGtvwa. a,,c Ta aaz Form 3028 1101 Page 1 of 13 www.docmagic.com �Ll< ,xrso.1