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M h� T x o �� 'When Recorded Mail To nn (�yy r o Cr p _ I N O O •1 t � h q I w VS ' I f. i � 't � � 1— ➢ H K y Y cs q rn N on [Space Above 'I his Line For Recording Dotal rn LoanNUmker: 5PT21219 DEED OF TRUST ed9e tea=: 321.2244514 _ THIS DEED OF TRUST ( "Security Instrument ") is made January 24, 2003 The tmstor is rg r Kalli R. Czarnick, an Unmarried Person - ( "Borrower "). The trustee is Commercial Federal Bank, a Federal Savings Bank ( "Trustee "). The beneficiary is Five Points Bank a corporation which is organized and existing under the laws of Nebraska , and whose address is P.O. Box 1507 Grand Island, P.O. Box 1507 68802 -1507 ( "Lender "), Borrower owes Lender the principal suns of Fifty -Two Thousand Nine Hundred Seventy -Five And 00 /100 Dollars (U.S. S 52, 975.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments, with die full debt, ifnot paid earlier, due and payable on February 1, 2033 . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under paragraph 6 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: The Westerly Sixty Four (64) Feet, One (1) Inch of Lot Nineteen (19), and Northerly Five (5.0) Feet of the West Sixty -four Feet, one inch (641111) of Lot Twenty (20) and the West Fifty (50) feet of the Southerly Forty -seven (47.0) Feet of Lot Twenty (20) West Lawn Addition to the City of Grand Island, Hall County, Nebraska. which has the address of 1909 West State St., Grand Island pacer, co'], Nebraska 68803 [zip Cudcl ('Property, Address "); TOGE'T'HER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all 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 seized 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 fecord. Borrower warrants and will defend generally the title to the Property against all claims mid demands, subject to any encumbrances of record. I. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. FHA Nebfaska Deed of Trait - 2M 111111,11 Page I of oocurzxer.vex vvuisooa