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0 <br />[Space Above This Line For Recording Data] <br />Gray \ <br />DEED OF TRUST Loan Number: 5PT40909 <br />Parcel Number: 400214679 <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 November 18, 2004 <br />together with all Riders to this document. <br />(B) "Borrower" is Daniel L. Gray and Cheryl D. Gray, Husband and 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 Ave <br />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 November 18, 2004 <br />The Note states that Borrower owes Lender <br />One Hundred Sixty -Two Thousand Nine Hundred And 00 /100 <br />Dollars (U.S. $ 162,900.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than December 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 Form 3028 1/01 <br />DocuINei (Page I of 13 pages) <br />DOCUINEI.VTX 06/19/2002 <br />y <br />D <br />rrnn <br />C <br />- n <br />rn <br />1 <br />_ <br />�cr <br />o=. <br />oD <br />N <br />N <br />\ <br />M <br />N <br />1M17 <br />r <br />C <br />­1 <br />O <br />co <br />177 <br />�^ <br />P, <br />f <br />to <br />y <br />M <br />r- <br />C <br />C111 <br />co <br />CD <br />W <br />After Recording Return To: <br />Cn <br />N <br />Z <br />O <br />0 <br />[Space Above This Line For Recording Data] <br />Gray \ <br />DEED OF TRUST Loan Number: 5PT40909 <br />Parcel Number: 400214679 <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 November 18, 2004 <br />together with all Riders to this document. <br />(B) "Borrower" is Daniel L. Gray and Cheryl D. Gray, Husband and 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 Ave <br />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 November 18, 2004 <br />The Note states that Borrower owes Lender <br />One Hundred Sixty -Two Thousand Nine Hundred And 00 /100 <br />Dollars (U.S. $ 162,900.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than December 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 Form 3028 1/01 <br />DocuINei (Page I of 13 pages) <br />DOCUINEI.VTX 06/19/2002 <br />