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.F <br />r) n 7 _\ <br />�i m N x <br />t3 <br />n <br />�f <br />After Recording Return To: <br />Franklin American Mortgage Company <br />501 Corporate Centre Drive, Suite 400 <br />Franklin, Tennessee 37067 <br />20010869, <br />0 <br />S <br />C <br />c� <br />N <br />Ca <br />0 <br />C0 <br />C'> (n <br />c a <br />m <br />-< o <br />A <br />r x� <br />r a <br />R <br />7� <br />(Jy <br />[Space Above This Line For Recording Data] <br />KALKOWSKI <br />Loan Number 54165 <br />DEED OF TRUST <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated AUGUST 23, 2001 <br />together with all Riders to this document. <br />(B) "Borrower" is KARLYE K. KALKOWSKI AND WIFE, DEBRA L. KALKOWSKI <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is FRANKLIN AMERICAN MORTGAGE COMPANY <br />Lender is a corporation organized and existing under the laws of THE STATE OF TENNESSEE <br />Lender's address is 501 CORPORATE CENTRE DRIVE, SUITE 400, FRANKLIN, TENNESSEE 37067 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is FIDELITY NATIONAL TITLE INSURANCE COMPANY <br />(E) "Note" means the promissory note signed by Borrower and dated AUGUST 23, 2001 <br />The Note states that Borrower owes Lender SIXTY -TWO THOUSAND EIGHT HUNDRED AND 00 /100ths <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />GV2023.HP <br />Form 3028 1 /O1 (page I of 14 pages) <br />m <br />CD ^' <br />CD <br />r\) <br />C <br />0 <br />o CO) <br />CZ) <br />c <br />rn cID <br />cca <br />0 <br />