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C") O7 When Recorded Mail To: n CD o D o rn n Z at r i z� N D `v ,. -, c-, —� rn O —. o ry _ ty CD TJ ni v r— D 0"!�. W N N co O KALKOWSKI LOAN NUMBER: 00110000 [Space Above This Line For Recording Data] 200010778 DEED OF TRUST THIS DEED OF TRUST ("Security strument" is made on DECEMBER 5 2000 The trust or ) trus or is KARLYE K. KALKOWSKI AND DEBRA L. KALKOWSKI, HUSBAND AND WIFE ( "Borrower "). The Trustee is CENTRAL NATIONAL BANK ( "Trustee ") The Beneficiary is FIVE POINTS BANK which is organized and existing under the laws of NEBRASKA , and whose address is 2009 N DIERS AVE GRAND ISLAND, NE 68803 ( "Lender "). Borrower owes Lender the principal sum of SIXTY THOUSAND SEVEN HUNDRED FIFTY AND 00 /100 Dollars (U.S. $ 60,750.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on JANUARY 1, 2031 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in HALL County, Nebraska: LOT THREE (3), BLOCK TWELVE (12), BONNIE BRAE ADDITION TO THE CITY OF GRAND ISLAND, HALLCOUNTY, NEBRASKA. which has the address of 1411 W. 4TH ST., GRAND ISLAND [Street, City], Nebraska 68801 ( "Property Address "); [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 9/90 DocUiNEi Page 1 of Amended 5/91 DOCUINEI.VTX 05/02/2000