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W <br />When Recorded Return To: <br />Five Points Bank <br />2009 N. Diers Ave. <br />Grand Island, NE 68803 <br />C) Borrower 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 />PO Box 1507 <br />Grand Island, NE 68802 <br />n <br />_., <br />m 4i <br />r1 :. <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />State of Nebraska <br />NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FNMA3028 9/11 Page 1 of 13 Initial <br />Loan No: 101288605 <br />Parcel ID: 400421224 <br />Mao <br />DEFINITIONS <br />V--\ 174 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />p , m 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 October 15, 2015 <br />„I "'i together with all Riders to this document. <br />ar (B) "Borrower" is <br />4/i Douglas Lee Kosmicki and Kimberly Lofing Kosmicki, Husband and Wife <br />77 <br />C <br />(E) "Note " means the promissory note signed by Borrower and dated October 15, 2015 <br />The Note states that Borrower owes Lender <br />Three Hundred Twenty Thousand DOLLARS and Zero CENTS <br />Dollars (U.S. $ 320,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than November 1, 2030 <br />