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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 June 16, 2004 <br />together with all Riders to this document. <br />(B) "Borrower" is Steven E Kosinski and Tina M Kosinski, Husband and <br />Wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Five Points Bank <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 June 16, 2004 <br />The Note states that Borrower owes Lender <br />Eighty -Two Thousand And 00 /100 <br />Dollars (U.S. $ 82,000.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than July 1, 2034 <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 Form 3028 1/01 <br />DocU i NE i (Page 1 of 13 pages) <br />D0CU1NEI.VTX 06/19/2002 <br />I <br />n = n <br />a <br />=no <br />i <br />o� <br />o� <br />5 <br />rr) <br />cbn cn <br />r <br />N� <br />\ <br />C'. <br />Z� <br />M. <br />m `' <br />3 <br />D <br />Cn <br />H <br />� <br />r n <br />cn <br />rn <br />M <br />N <br />CD <br />After Recording Return To: <br />H <br />O <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />KoSinski <br />Loan <br />5PT40511 <br />Parcel Number: <br />400142139 <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 June 16, 2004 <br />together with all Riders to this document. <br />(B) "Borrower" is Steven E Kosinski and Tina M Kosinski, Husband and <br />Wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Five Points Bank <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 June 16, 2004 <br />The Note states that Borrower owes Lender <br />Eighty -Two Thousand And 00 /100 <br />Dollars (U.S. $ 82,000.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than July 1, 2034 <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 Form 3028 1/01 <br />DocU i NE i (Page 1 of 13 pages) <br />D0CU1NEI.VTX 06/19/2002 <br />I <br />