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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 January 11, 2002 <br />together with all Riders to this document. <br />(B) "Borrower" is Michael L Krecklow and Kimberly A Krecklow, 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 PO BOX 1507 GRAND <br />ISLAND, NE 68802 -1507 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Central National Bank <br />(E) "Note" means the promissory note signed by Borrower and dated January 11, 2002 <br />The Note states that Borrower owes Lender <br />One Hundred Six Thousand Four Hundred And 00 /100 <br />Dollars (U.S. $ 106, 400.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2017 <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 Mae UNIFORM INSTRUMENT Form 3028 1 /01 <br />DocuwEi (Page I of 12 pages) <br />D0CU1NEI.VTX 12/01/2000 <br />m n o <br />�+ = D <br />M <br />C7 <br />c> <br />n <br />c <br />c) Cn <br />ry <br />Co _, <br />o <br />C= D <br />M <br />0 <br />co <br />o <br />o t <br />r <br />rV e <br />rn <br />S r 1 <br />,� <br />;� C:� <br />CD <br />3 <br />o <br />cn <br />C-3 <br />O <br />cn <br />After Recording Return To: <br />6 <br />[Space Above This Line For Recording Data[ <br />DEED OF TRUST <br />Krecklow <br />Loan Number: <br />01110022 <br />Parcel Number: <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 January 11, 2002 <br />together with all Riders to this document. <br />(B) "Borrower" is Michael L Krecklow and Kimberly A Krecklow, 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 PO BOX 1507 GRAND <br />ISLAND, NE 68802 -1507 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Central National Bank <br />(E) "Note" means the promissory note signed by Borrower and dated January 11, 2002 <br />The Note states that Borrower owes Lender <br />One Hundred Six Thousand Four Hundred And 00 /100 <br />Dollars (U.S. $ 106, 400.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2017 <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 Mae UNIFORM INSTRUMENT Form 3028 1 /01 <br />DocuwEi (Page I of 12 pages) <br />D0CU1NEI.VTX 12/01/2000 <br />