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<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security Instrument") is made on April 17th 1998 . The trustor
<br /> is Kenneth D. Enck A sinqle person
<br /> ("Borrower").
<br /> The trustee is Union Bank And Trust Companv P.O. Box 5166 Grand Island, NE 68802
<br /> ("Trustee").
<br /> The beneficiary is Union Bank and Trust Co.
<br /> which is organized and existing under the laws of the State of Nebraska , and whose address
<br /> is 2008 North Webb Road Grand Island NE. 68801 (��Lender").
<br /> Borrower owes Lender the principal sum of Fi Four Thousand Seven Hundred Fi and 00 100
<br /> Dollars (U.S.$ 54,750.00). This debt is evidenced by Borrower's note dated the
<br /> same date as this Security Instrument ("Note"), which provides for monthly payments, with the fuli debt, if not paid earlier, due and
<br /> payable on May 1, 2013 . This Securiry Instrument secures to Lender: (a) the repayment of the debt evidenced
<br /> by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest,
<br /> advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and
<br /> agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br /> property located in Hall County, Nebraska:
<br /> Lot Thirty�three (33) in West Hei hts Second Addition to the City of Grand Island, Hall County,
<br /> Nebraska and the North Haif (N1�2) of Lot Thirty-two (32), in West Heights Second Addition to the City
<br /> of Grand Island, Hall County, Nebraska.
<br /> which has the address of 619 N. Sherman , Grand Island
<br /> Street City
<br /> Nebraska 68803 ("Property Address");
<br /> Zip Code
<br /> TOGETHER WITH all improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now
<br /> or hereafter a part of the properry. All replacements and additions shall be covered by this Security Instrument. All of the foregoing is
<br /> refened to in this Security Instrument as the "Property."
<br /> BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey
<br /> the Properry and that the Properry is unencumbered, except for encumbrances of record. Borrower warrants and wili defend generally
<br /> the title to the Property against all claims and demands, subject to any encumbrances of record.
<br /> THIS SECURITY INSTRUMENT combines un'rform covenants for national use and non-uniform covenants with limited variations by
<br /> jurisdiction to constitute a uniform securiry instrument covering real property.
<br /> UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br /> 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due
<br /> the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br /> 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to
<br /> Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and
<br /> assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground
<br /> rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly
<br /> mortgage insurance premiums, if any; and (fl any sums payable by Borrower to Lender, in accordance with the provisions of paragraph
<br /> 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect
<br /> and hold Funds in an amount not to exceed the maximum amount a lender for a federaily related mortgage loan may require for
<br /> NEBRASKA-Singie Famlly-Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 9/90
<br /> F1029.LMG (10/97) Page 1 of 5
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