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When Recorded Return To: <br />3111 Five Points Bank <br />2009 N. Diers Ave. <br />Ma s Grand Island, NE 68803 <br />(ro <br />p DEFINITIONS <br />C Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />C) 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />H Section 16. <br />(A) "Security Instrument" means this document, which is dated September 13, 2013 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />Derek J Apfel and Bonnie J Apfel, Husband and Wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Five Points Bank <br />Il 1 <br />C <br />CO <br />t " <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />Lender is a Nebraska Corporation <br />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 />PO Box 1507 <br />Grand Island, NE 68802 <br />(E) "Note" means the promissory note signed by Borrower and dated September 13, 2013 <br />The Note states that Borrower owes Lender <br />Two Hundred FiftySix Thousand DOLLARS and Zero CENTS <br />Dollars (U.S. $ 256,000.00 ) 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 />NEBRASKA Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 30281/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA30289/11 Page 1 of 13 Initials: <br />r-- r r, rn <br />C) <br />October 1, 2033 <br />Loan No: 101265454 <br />Parcel ID: 400397951 <br />m <br />z <br />—1 <br />o m <br />c._) D5 <br />C7 <br />0 <br />d 1 <br />