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<br /> 				State of Nebraska  						Space Above This Line For Recording Data
<br />  							REAL ESTATE DEED OF TRUST    	0166001816
<br />      								(With Future Advance Clause)
<br />  								❑ Construction Security Agreement    						�
<br />      	1.   DATE AND PARTIES. The date of this Deed of Trust (Security Instrument) is .December,..,,,,, 31,,,,,,, 1999,,,.,., �'
<br />   		and the pazties, their addresses and tax identification numbers, if required, are as follows:    					�,
<br />   		TRUSTOR:  CYNTHIA A GULZOW, a single person,
<br />   		❑ If checked,  refer to the attached Addendum incorporated herein,  for additional Trustors,  their signatures and
<br />       		acknowledgments.
<br />   		TRUSTEE:  	FIltST FEDERAL LINCOLN BANK
<br />   		BENEFICIARY:    FIKST FEDERAL LINCOLN BANK
<br />   					1235 N STREET
<br />   					LINCOLN, NEBRASKA 68508
<br />      	2.   CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to
<br />   		secure the Secured Debt (defined below) and Trustor's performance under this Security Instrument, Trustor irrevocably
<br />   		grants, conveys and sells to Trustee, in trust for the benefit of Beneficiary, with power of sale, the following described
<br />   		property:
<br />   		SEE ATTACHED EXHIBIT'A'
<br />   		The property is locate�in ...HALL........................................................ at ..............................................
<br />      									(Counry)
<br />   		3616 FAIRACRES LN 				GRAND ISLAND   			Nebraska .....68801.,,,,.,,,,
<br />       		....................................................... . ....    	...................................,
<br />   					(Address)						(City) 					(ZIP Code)
<br />   		Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian
<br />   		rights, ditches, and water stock and all existing and fu�ure improvements, structures, fixtures, and replacements that may
<br />   		now, or at any time in the future, be part of the real estate described above (all referred to as "Property").
<br />      	3.  MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time shall
<br />   		not exceed $ ..............1Q,OQO.QO......................... . This limitation of amount does not include interest and other fees
<br />   		and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under
<br />   		the terms of this Security Instrument to protect Beneficiary's security and to perform any of the covenants contained in this
<br />   		Security Instrument.
<br />      	4.   SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows:
<br />       		A.Debt incurred under the terms of all promissory note(s), contract(s), guaranty(s) or other evidence of debt described
<br />  			below and all their extensions, renewals, modifications or substitutions. (You must specifically identify the debt(s)
<br />  			secured and you should include the firzal maturity date of such debt(s).)
<br />   		NEBRASKA-HOME EQUITY LINE OF CREDIT DEED OF TRUST (NOT FOR FNMA,FHLMC,FHA OR VA USE)      		/r, �     (page 1 of 41
<br />    																	/'/.�1
<br />    		�01994 Bankers Systems,Inc.,St.Cloud,MN Form OCP-REDT-NE 70/7/98 							�1��.
<br />   		DOTNEI.frm 8/99
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