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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 September 10, 2003 <br />together with all Riders to this document. <br />(B) "Borrower" is Mary Ann Elsbernd, an Unmarried Woman <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 <br />Ave Grand Island, NE 68803 <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 September 10, 2003 <br />The Note states that Borrower owes Lender <br />Fifty -Three Thousand Five Hundred Fifty And 00 /100 <br />Dollars (U.S. $ 53,550.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2018 <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 1 of 13 pages) <br />DOCUINEI.VTX 06/19/2002 <br />7O <br />n n <br />M <br />T <br />Z D <br />C <br />M CA <br />n <br />n <br />rn <br />=n� <br />M <br />D <br />_ <br />o -�q <br />�- <br />CD <br />r ri <br />N CAD <br />cD <br />O <br />O <br />'n <br />O7 <br />_n <br />c::) to <br />O ri <br />M <br />Cj <br />ZZ <br />After Recording Return To: <br />A <br />CD <br />CD <br />Cn <br />z <br />O <br />(Space Above This Line For Recording Data] <br />Elsbernd <br />DEED OF TRUST <br />Loan Number: <br />ELSBERND <br />Parcel Number: <br />400114291 <br />V6\ <br />6\ <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 September 10, 2003 <br />together with all Riders to this document. <br />(B) "Borrower" is Mary Ann Elsbernd, an Unmarried Woman <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 <br />Ave Grand Island, NE 68803 <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 September 10, 2003 <br />The Note states that Borrower owes Lender <br />Fifty -Three Thousand Five Hundred Fifty And 00 /100 <br />Dollars (U.S. $ 53,550.00 ) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2018 <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 1 of 13 pages) <br />DOCUINEI.VTX 06/19/2002 <br />