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After Recording Return To: U DEFINITIONS [Space Above This Line For Recording Data] DEED OF TRUST Loan Number: RUGE Parcel Number: Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated October 5, 2001 together with all Riders to this document. (B) "Borrower" is Dwain Ruge and Pamela J. Ruge, Husband and Wife Borrower is the trustor under this Security Instrument. (C) "Lender" is FIVE POINTS BANK Lender is a Commercial Bank organized and existing under the laws of NEBRASKA, Lender's address is PO BOX 1507 GRAND ISLAND, NE 68802 -1507 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Five Points Bank (E) "Note" means the promissory note signed by Borrower and dated October 5, 2001 The Note states that Borrower owes Lender Seventy Thousand Four Hundred And 00 /100 Dollars (U.S. $ 70, 400.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than November 1, 2031 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 DDCUINEI (Page I of 12 pages) D0CU1NEI.VTX 12/01/2000 o G> (D () O rn m rn (n DZ C _ � " o c-D C A --e D --A ry co M -_4 i rn s-s -< o Q a CIO O Ti © Vi n t _r s F-' y ra it QJ H v >a Cn f CD cc _Ij cf) c O [Space Above This Line For Recording Data] DEED OF TRUST Loan Number: RUGE Parcel Number: Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated October 5, 2001 together with all Riders to this document. (B) "Borrower" is Dwain Ruge and Pamela J. Ruge, Husband and Wife Borrower is the trustor under this Security Instrument. (C) "Lender" is FIVE POINTS BANK Lender is a Commercial Bank organized and existing under the laws of NEBRASKA, Lender's address is PO BOX 1507 GRAND ISLAND, NE 68802 -1507 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Five Points Bank (E) "Note" means the promissory note signed by Borrower and dated October 5, 2001 The Note states that Borrower owes Lender Seventy Thousand Four Hundred And 00 /100 Dollars (U.S. $ 70, 400.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than November 1, 2031 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 DDCUINEI (Page I of 12 pages) D0CU1NEI.VTX 12/01/2000 o G> (D