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s <br />,o <br />n <br />n <br />yC:1c„ <br />z <br />" <br />rn <br />rn <br />a <br />m <br />C <br />c-3 (n <br />=3 <br />_ <br />-I <br />Cn <br />P <br />rn <br />--, <br />,, r <br />-� — <br />m <br />L.o <br />O <br />M <br />r- n <br />C_rt 2 <br />n <br />cn <br />W <br />U� <br />N <br />After Recording Return To: <br />` <br />n <br />N <br />Un <br />Co Z <br />O <br />[Space Above This Line For Recording Data] <br />Q <br />Fero <br />DEED OF TRUST Load Number: 5PT40328 <br />Parcel Number: 400019213 <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 <br />together with all Riders to this document. <br />(B) "Borrower" is James L. Fero and Rhonda C. <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Five Points Bank <br />May 19, 2004 <br />Fero, Husband and Wife <br />Lender is a Commercial Bank organized and existing under the <br />laws of Nebraska Lender's address is 2009 N Diers <br />Ave Grand Island, NE 68803 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is FIVE POINTS BANK <br />(E) "Note" means the promissory note signed by Borrower and dated May 19, 2004 <br />The Note states that Borrower owes Lender <br />Forty —Eight Thousand Five Hundred And 00 /100 <br />Dollars (U.S. $ 48,500.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2019 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />DocUINEI (Page l of 13 pages) <br />D0CU1NEI.VTX 06/19/2002 <br />Form 3028 1 /O1 <br />f <br />