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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 NOVEMBER 14, 2003 , together with all Riders to this document. (B) "Borrower" is JEAN CLAUDE DUBOIS, A SINGLE MAN AND BESSIE I MCCOY FKA BESSIE I DUBOIS, A SINGLE WOMAN Borrower is the trustor 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 I S LAND , NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated NOVEMBER 14, 2003 The Note states that Borrower owes Lender FORTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 4 5, 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 DECEMBER 1, 2033 (1) "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. NEBRASK - -Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagic 0- 649 -1362 Form 3028 1 /01 Page 1 of 13 w. ocmagic.com N00281.dot T_ PO M n n = > C:) % m 0 CD rn D n .. N o o-1 CL O> r) 7C 3: w W r M fn a � r n ui � w O n •� 1 =-3 s CD O Cn N (n Z After Recording Return To: O HERITAGE BANK 1333 N WEBB RD GRAND ISLAND,NEBRASKA 68803 Loan Number: 2310787 200315342 Line For Recording Data] [Space Above This 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 NOVEMBER 14, 2003 , together with all Riders to this document. (B) "Borrower" is JEAN CLAUDE DUBOIS, A SINGLE MAN AND BESSIE I MCCOY FKA BESSIE I DUBOIS, A SINGLE WOMAN Borrower is the trustor 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 I S LAND , NEBRASKA 68803 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is TIERONE BANK (E) "Note" means the promissory note signed by Borrower and dated NOVEMBER 14, 2003 The Note states that Borrower owes Lender FORTY FIVE THOUSAND AND 00/100 Dollars (U.S. $ 4 5, 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 DECEMBER 1, 2033 (1) "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. NEBRASK - -Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DocMagic 0- 649 -1362 Form 3028 1 /01 Page 1 of 13 w. ocmagic.com N00281.dot