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<br />    	RECORDATION REQUESTED BY: 						�(�   ���p�n
<br /> 		Five Points Bank
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<br /> 		2009 North Diers Ave
<br /> 		Grand Island,NE 68802
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<br />    	WHEN RECORDED MAIL TO:  '   												Z
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<br /> 		Five Points Bank  															,
<br /> 		2009 North Diers Ave       														n�
<br /> 		Grand Island,NE 68802    														"�
<br />    	SEND TAX NOTICES TO:
<br /> 		HOWARD J SKARKA and DORIS A SKARKA
<br /> 		117 W 21ST ST
<br /> 		GRAND ISLAND,NE 68801-2324
<br />    												SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY
<br />									DEED OF TRUST
<br />    	THIS DEED OF TRUST IS DATED SEPTEMBER 2, 1999, among HOWARD J SKARKA and DORIS A SKARKA,
<br />    	Husband and Wife, whose address is 117 W 21ST ST, GRAND ISLAND, NE  68801-2324 (referred to below as
<br />    	"Trustor"}; Five Poirrts Bank, whose adcireas is 206J North �iiers Ave, Grand isiand, N�E   68802 (refierred to
<br />    	below sometimes as "Lender" and sometimes as "Beneficiary"); and Five Points Bank, whose address is 2015
<br />    	N. Broadwell, Grand Isiand, NE  68803 (referred to below as "Trustee").
<br />    	CONVEYANCE AND GRANT.  For valuable consideration, Trustor conveys to Trustee in trust, WITH POWER OF SALE, for the benefit of
<br />    	Lender as Beneficiary, all of Trustor's right, titie, and interest in and to the following described real property, together with all existing or
<br />    	subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way,and appurtenances; all water, water rights and
<br />    	ditch rights (including stock in utilities with ditch or irrigation rights);and all other rights, r�oyalties,and  rofits relating to the real property, including
<br />    	without limitation all minerals, oil, gas, geothermal and similar matters, IOCBt@d Itl N811 COUtI�/, StBte of Nebraska (the "Reel
<br />    	Property"):
<br />      		Lot 22, Block 1, Knickrehm Second Addition, City of Grand Island, Hall County, Nebraska
<br />    	The Real Property or its address is commonly known as 117 W. 21st Street, Grand Island, NE  68801-2324.
<br />    	Trustor presentiy assigns to Lender(also known as Beneficiary in this Deed of Trust)all of Trustor's right,title,and interest in and to all present and
<br />    	future leases of the Property and all Rents from the Property. In addition,Trustor grants Lender a Uniform Commercial Code security interes' in the
<br />    	Rents and the Personal Property defined below.
<br />    	DEFINITIONS. The following words shall have the following meanings when used in this Deed of Trust. Terms not otherwise defined in this Deed of
<br />    	Trust shall have the meanings attributed to such terms in the Uniform Commercial Code. All references to dollar amounts shali mean amounts in
<br />    	lawful money of the United States of America.
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