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When Recorded Return To: <br />Five Points Bank <br />2009 N. Diers Ave. <br />Grand Island, NE 68803 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />February 1, 2043 <br />NEBRASKA Single Family - FannieMae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446-3555 Page 1 of 13 Initials D <br />r <br />CO p cn <br />con <br />Loan No: 101257207 <br />Parcel ID: 400119188 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />p 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />a Section 16. <br />(A) "Security Instrument" means this document, which is dated January 23, 2013 <br />together with all Riders to this document. <br />n7 (B) "Borrower" is <br />+ il Eugene E Merkel and Betty J Merkel, Husband and Wife <br />- 4 <br />A Borrower is the trustor under this Security Instrument. <br />A9 (C) "Lender" is Five Points Bank <br />i0 <br />■C <br />Lender is a Nebraska Corporation <br />rn organized and existing under the laws of State of Nebraska <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 />(E) "Note" means the promissory note signed by Borrower and dated January 23, 2013 <br />The Note states that Borrower owes Lender <br />Sixty Thousand DOLLARS and Zero CENTS <br />Dollars (U.S. $ 60,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than <br />N <br />CD <br />i--• <br />W <br />CD <br />CD <br />—3 <br />O <br />QC <br />