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<br />Return to: Denise D. Myers
<br />611 N. Diers Ave., Ste. 1
<br />Crrand Island, NE 68803
<br />TRUST DEED
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<br />THIS DEED OF TRUST is made on �i.�ne 0 � , 2012. The Trustor is McKenzie
<br />L. Ummel, ("Borrower"). The Trustee is Denise D. Myers, Attorney at Law, 611 N. Diers Ave., Ste.
<br />1, Crrand Island, NE 68803 ("Trustee"). The beneficiaries are Merleen J. Johnson, Trustee, and
<br />Merleen J. Johnson, Trustee ofthe Robert J. Johnson Trust "A", ("Lenders"} 1808 W. 2� St., Grand
<br />Island, NE 68803. Bonower owes Lenders the principal sum of Thirty Three Thousand and 00/100
<br />Dollars ($33,000.00). This debt is evidenced by Borrower's note da.ted the same daxe as this Security
<br />Instrument ("Note"), which provides for monthly payments of Four Hundred Sixty Six and 42/100
<br />Dollars ($466.42) per month for a period of 84 months. The Security Instrument secures to Lenders:
<br />(a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modifica.rions; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect
<br />the security of this Security Instrument; and (c) the performance of Borrower's covena.nts and
<br />agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with
<br />power of sa1e, the following described properly located in Hall County, Nebraska.:
<br />Lot One (1), Block Fifteen (15), Ashton Place, an Addition to the City of Grand
<br />Island, Hall County, Nebraska..
<br />TOGETI�R WITH all the improvements now or hereafter erected on the property, and all
<br />ea.sements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights
<br />and stock and all fixtures now or hereafter a part of the property. All replacemems and additions
<br />shall also be covered by this Security Instrument. All of the foregoing is referred to in tlus Security
<br />Instrument as the "Property".
<br />BORROWER COVENANTS tha.t Borrower is lawfully seised ofthe estate hereby conveyed
<br />and has the right to grant and convey the Property and that the Property is unencumbered, except for
<br />encumbrances of record. Borrower warrants and will defend generally the title to the Property
<br />against all claims and demands, subject to any encumbrances of record.
<br />COVENANTS. Bonower and Lenders covena.nt and agree as follows:
<br />1. Payment ofPrincipal and Interest; Prepayment and Late Charges. Borrower shall promptly
<br />pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and
<br />la.te charges due under the Note.
<br />2. Application of Payments. All payments received by Lenders under paragraphs 1 shall be
<br />applied: first, to late charges due under the Note; second, to prepayment charges due under the Note;
<br />third, to interest due; and, la.st, to principal due.
<br />3. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
<br />attributable to the Property which may attain priority over this Security Instrument, and leasehold
<br />payments or ground rents, if any. Borrower shall pay them on time directly to the person owed
<br />payment. Borrower shall promptly furnish to Lenders all norices of amounts to be paid under this
<br />paragraph. ff Borrower makes these payments directly, Borrower shall promptly fumish to Lenders
<br />receipts evidencing the payments.
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<br />Bonower shall promptly discharge any lien which has priority over this Security Instrument
<br />unless Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a
<br />ma.nner acceptable to Lenders; (b) contests in good faith the lien by, or defend against enforcement
<br />of the lien in, legal proceedings which in the Lenders' opinion operate to prevent the enforcement of
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