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~ - qw = h- + Sa vo, r Y~ - ---1 Z fV 30 e A U rn C r11 C ~j c~ T 03 ~J r GJ Cn G. o M M U1 m ~ V After Recording Return To: HERITAGE BANK 800 WEST 3RD HASTINGS, NEBRASKA 68901 Loan Number: 105321 C [Space Above This Line For Recording Data] 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 SEPTEMBER 7, 2011 , together with all Riders to this document. (B) "Borrower" is TROY D MULDER AND PENNY MULDER HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is HERITAGE BANK Lender is a NEBRASKA BANKING CORPORATION organized and existing under the laws of NEBRASKA Lender's address is 800 WEST 3RD, HASTINGS, NEBRASKA 68901 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is WEST GATE BANK (E) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 7, 2011 The Note states that Borrower owes Lender ONE HUNDRED SEVEN THOUSAND AND 00/100 Dollars (U.S. $ 107, 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 OCTOBER 1, 2041 (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. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Planned Unit Development Rider ❑ Balloon Rider ❑ Biweekly Payment Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Condominium Rider ❑ Other(s) [specify]