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Space Above This Line For Recording Data <br />Skarniak <br />DEED OF TRUST roan Number: 5PT20805 <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 August 23, 2002 <br />together with all Riders to this document. <br />(B) "Borrower" is Kenneth A. Skarniak and Catherine L. Skarniak, <br />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 P.O. Box 1507 <br />Grand Island, NE 68802 -1507 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Central National Bank <br />(F.) "Note" means the promissory note signed by Borrower and dated August 23, 2002 <br />The Note states that Borrower owes Lender <br />Ninety -Eight Thousand And 00 /100 <br />Dollars (U.S. $ 98, 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 September 1, 2022 <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 <br />DocuINEI (Page 1 of 12 pages) <br />D CUINE1.vTX 12/01/2000 <br />Form 3028 1/81 <br />n <br />A <br />n n <br />T <br />S D <br />D <br />Z <br />Pn <br />2 <br />d <br />CD <br />J <br />O 1 <br />CD <br />C �l <br />O <br />CD <br />OJ <br />O <br />>r <br />=3 <br />- <br />`3 <br />r t> <br />cn <br />ca <br />1 <br />Q <br />W <br />� <br />O <br />� <br />- <br />cn <br />After Recording Return To: <br />cn <br />- <br />p <br />�- <br />rn <br />ca <br />200209053 <br />Space Above This Line For Recording Data <br />Skarniak <br />DEED OF TRUST roan Number: 5PT20805 <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 August 23, 2002 <br />together with all Riders to this document. <br />(B) "Borrower" is Kenneth A. Skarniak and Catherine L. Skarniak, <br />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 P.O. Box 1507 <br />Grand Island, NE 68802 -1507 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Central National Bank <br />(F.) "Note" means the promissory note signed by Borrower and dated August 23, 2002 <br />The Note states that Borrower owes Lender <br />Ninety -Eight Thousand And 00 /100 <br />Dollars (U.S. $ 98, 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 September 1, 2022 <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 <br />DocuINEI (Page 1 of 12 pages) <br />D CUINE1.vTX 12/01/2000 <br />Form 3028 1/81 <br />n <br />