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^a ]Space Above This Line For Recording Data] !� KalkOmeki DEED OF TRUST Loan Number: 5PT21220 \y1 \ Parcel Number: DEFINITIONS Words used in multiple sections of this document me defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 2 L Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 20, 2003 together with all Riders to this document. (B) "Borrower" is Karlye K Kalkowski and Debra L Kalkowski, Husband and Wife Borrower is the truster under this Security Instrument. (C) "Lender" is Five Points Bank Lender is a Commercial Bank organized and existing under the laws of Nebraska .Lender's address is P. o. Box 1507 Grand Island, NE 68802 -1507 Lender is the beneficiary under this Security Instrument. (D)`Trustee "is Central National Bank (E) "Note" means the promissory note signed by Borrower and dated March 20, 2003 The Note states that Borrower owes Lender Sixty -Two Thousand And 00 /100 Dollars (U.S. $ 62, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 1, 2033 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA— Single Family — Fannie Mae/Freddie Mae UNIFORM INSTRUMENT nocoinri (Page I ojl3pag ) W[91a.1— 06 IV9/ eR Form 30281/01 AI) " rn = ;. c n 2 oy om rn ➢ CL r :::3 y O N V After Recording Return rn To: N v D CO O Co O ]Space Above This Line For Recording Data] !� KalkOmeki DEED OF TRUST Loan Number: 5PT21220 \y1 \ Parcel Number: DEFINITIONS Words used in multiple sections of this document me defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 2 L Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 20, 2003 together with all Riders to this document. (B) "Borrower" is Karlye K Kalkowski and Debra L Kalkowski, Husband and Wife Borrower is the truster under this Security Instrument. (C) "Lender" is Five Points Bank Lender is a Commercial Bank organized and existing under the laws of Nebraska .Lender's address is P. o. Box 1507 Grand Island, NE 68802 -1507 Lender is the beneficiary under this Security Instrument. (D)`Trustee "is Central National Bank (E) "Note" means the promissory note signed by Borrower and dated March 20, 2003 The Note states that Borrower owes Lender Sixty -Two Thousand And 00 /100 Dollars (U.S. $ 62, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 1, 2033 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA— Single Family — Fannie Mae/Freddie Mae UNIFORM INSTRUMENT nocoinri (Page I ojl3pag ) W[91a.1— 06 IV9/ eR Form 30281/01