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!it ()~("> m '1D ~ m - .." ~CIl ,'"'';> I\,) . c: n :J: ~ :0 S ~ Z <--::;;> (") VJ S n '" " 00 0--1 0 m ():) 1: n 0 ,.--:)\. c )> 0 ),. ~ ;n ~' .~ :z: -; N ):- S I ", c= -....,J n en P" --l-. C) -..;rr1 C> en W ~ :c: ~~-- -< c' Z S N Q""rJ C) ~ I\,) ~ -.." N ""T1z CJ U. :r rn co :0 C) rn f -u l> tn C) c: P'l ::3 r ::0 a;;: 0 r:>- -J m (.n ~ (..) V) ^ c...> 1> Z N -- 0 0 --- co <n N <n DEED OF TRUST Loan No: 450813052 MIN: 1007451-0000000008-9 ~- ~ ~~ [Space Above Thill Line For Reeording Data] DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. 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 August 22,2008 together with all Riders to this document. (B) "Borrower" is Colleen A. Opfer-Lawrence and Steven A. Lawrence, Wife and Husband Borrower is the trustor under this Security Instrument. (C) "Lender" is Five Points Bank Lender is a Nebraska Corporation organized and existing under the laws of Lender's address is 2009 N. Diers Ave. Grand Island, NE 68803 (D) "Trustee" is Central National Bank State of Nebraska (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. NEBRASKA. Single Family. Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Laser Forms Ine. (600) 446-3555 LFI #FNMA3026-MERS 1/01 (A) Page 1 of 13 Inilials: