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Borrower is the truslor 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 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is (E) "Note" means the promissory note signed by Borrower and dated DECEMBER 18 , 2002 . The Note states that Borrower owes Lender FORTY THOUSAND AND 00/100 Dollars (U. S. $ 40,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2018 (F) "Property" means the property that is described below under theheading "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 /Fr.ddie Mac UNIFORM INSTR Form 3028 1101 Page 1 of 13 xamal mi T v> n f1 x D 0 o y o is n n Y ^ Fn W `' A �j o F) X % " a n :3 v o Fp r s wGo m After Recording Return To: 200214518 133TG 3 N WEBB RD GRAND ISLAND, NEBRASKA 68803 [Space Above Tbis liue For Rerard'mg Data] DEED OF TRUST DEFINITIONS Loan Number: 2310662 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, l3, 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 DECEMBER 18 12002 , together with all Riders to this document. (B) "Borrower " is DORMOND E. METCALF AND BONNIE J. METCALF HUSBAND AND WIFE Borrower is the truslor 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 1333 N WEBB RD, GRAND ISLAND, NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is (E) "Note" means the promissory note signed by Borrower and dated DECEMBER 18 , 2002 . The Note states that Borrower owes Lender FORTY THOUSAND AND 00/100 Dollars (U. S. $ 40,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JANUARY 1, 2018 (F) "Property" means the property that is described below under theheading "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 /Fr.ddie Mac UNIFORM INSTR Form 3028 1101 Page 1 of 13 xamal mi