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� <br />�_ <br />� <br />�� <br />_ <br />�� <br />e � <br />� � <br />0 �� <br />� = <br />� <br />GJ � <br />W �— <br />.� <br />��� <br />-� <br />�� <br />� <br />�� <br />� <br />w <br />�.9 <br />.o. <br />a <br />� <br />w <br />� <br />W <br />� <br />� <br />1••- <br />1.� <br />� <br />� <br />� <br />� <br />A <br />� <br />When Recorded Return To: <br />Five Points Bank <br />2009 N. Diers Ave. <br />Grand Island, NE 68803 <br />� <br />C <br />��� <br />� <br />e�1 <br />�C = . . <br />� ti <br />� <br />Cs <br />� c cn <br />z ~ � 'n <br />y � � rn N <br />r <br />c -� L C"' � 0 0 <br />o N p - � �"'� <br />rn �p -+� � F''' 3� <br />� � n � � C� <br />m � r n � Z <br />� N � � <br />� <br />� � � � � <br />a � � �� <br />� � N � � <br />N � <br />� <br />0 <br />[Space Above This Line For Recording Data] <br />Loan No: 101244883 <br />DEED OF TRUST <br />Parcel ID: 400411571 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated December 20, 2011 , <br />together with all Riders to this document. <br />(B) "Borrower" is <br />Michael A Gates and Charlene D Gates, Husband and Wife <br />Bonower is the trustor under this Security Instrument. <br />(C) "Lender" is Five Points Bank <br />Lender is a Nebraska Corporation <br />organized and existing under the laws of <br />Lender's address is 2009 N. Diers Ave. <br />Grand Island, NE 68803 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is <br />Five Points Bank <br />P.O. Box 1507 <br />Grand Island, NE 68802 <br />State of Nebraska <br />(E) "Note"means the promissory note signed by Bonower and dated December 20, 2011 . <br />The Note states that $onower owes Lender <br />SeventySeven Thousand DOLLARS and Zero CENTS <br />Dollars (U.S. $ 77,000.00 ) plus interest. Bonower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than January 1, 2027 • <br />� /���V <br />v <br />NEBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT <br />Form 3028 1/01 � <br />Laser Forms Inc. (800) 446-3555 y �/! � <br />LFI#FNMA30289/11 Page 1 of13 Initials:'�� <br />