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<br />DEED OF TRUST
<br />614100 -1-7- 114460
<br />F IF BOX IS CHECKED, THIS DEED OF TRUST IS OPEN -END AND SECURES FUTURE ADVANCES.
<br />THIS DEED OF TRUST is made this 23RD day of FEBRUARY , 20 01 among the Grantor,
<br />JEFFREY B. O'CALLAGHAN AND SHERRI L. O'CALLAGHAN, HUSBAND AND WIFE
<br />(herein "Borrower "), AMERICAN PIONEER TITLE INSURANCE COMPANY
<br />(herein "Trustee ") and the Beneficiary, MBNA AMER I CA ( DELAWARE) , N. A,
<br />a bank organized and existing under the law of DELAWARE whose address is
<br />1100 N KING STREET, WILMINGTON, DE 19884
<br />(herein "Lender").
<br />The following paragraph preceded by a checked box is applicable.
<br />F] WHEREAS, Borrower is indebted to Lender in the principal sum of $
<br />evidenced by Borrower's Loan Agreement dated and any extensions or renewals thereof
<br />including those pursuant to any Renegotiable Rate Agreement herein "Note" providing for monthly installments of
<br />principal and interest, including any adjustments to the amount of payments or the contract rate if that rate is variable,
<br />with the balance of the indebtedness, if not sooner paid, due and payable on
<br />F7X WHEREAS, Borrower is indebted to Lender in the principal sum of $ 35, 000. 00 , or so much thereof
<br />as may be advanced pursuant to Borrower's Revolving Loan Agreement dated FEBRUARY 23, 2001 and
<br />extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and under
<br />the terms specified in the Note, including any adjustments in the interest rate if that rate is variable, and providing for a
<br />credit limit stated in the principal sum above and an initial advance of $35, 000. 00
<br />TO SECURE to Lender the repayment of the indebtedness, including future advances, evidenced by the Note,
<br />with interest thereon at the applicable contract rate (including any adjustments to the amount of payment or the
<br />contract rate if that rate is variable) and other charges; the payment of all other sums, with interest thereon, advance in
<br />accordance herewith to protect the security of this Deed of Trust; and the performance of the convenants and
<br />agreements of Borrower herein contained, Borrower, in consideration of the indebtedness herein recited and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust with power of sale, the following described property
<br />located in the County of HALL State of Nebraska:
<br />LOT 40, JEFFERY OAKS SIXTH SUBDIVISION, IN ADDITION TO THE
<br />CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. TAX MAP OR
<br />PARCEL ID NO.: 40003832-76.
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<br />(Page 1 of 5)
<br />F IF BOX IS CHECKED, THIS DEED OF TRUST IS OPEN -END AND SECURES FUTURE ADVANCES.
<br />THIS DEED OF TRUST is made this 23RD day of FEBRUARY , 20 01 among the Grantor,
<br />JEFFREY B. O'CALLAGHAN AND SHERRI L. O'CALLAGHAN, HUSBAND AND WIFE
<br />(herein "Borrower "), AMERICAN PIONEER TITLE INSURANCE COMPANY
<br />(herein "Trustee ") and the Beneficiary, MBNA AMER I CA ( DELAWARE) , N. A,
<br />a bank organized and existing under the law of DELAWARE whose address is
<br />1100 N KING STREET, WILMINGTON, DE 19884
<br />(herein "Lender").
<br />The following paragraph preceded by a checked box is applicable.
<br />F] WHEREAS, Borrower is indebted to Lender in the principal sum of $
<br />evidenced by Borrower's Loan Agreement dated and any extensions or renewals thereof
<br />including those pursuant to any Renegotiable Rate Agreement herein "Note" providing for monthly installments of
<br />principal and interest, including any adjustments to the amount of payments or the contract rate if that rate is variable,
<br />with the balance of the indebtedness, if not sooner paid, due and payable on
<br />F7X WHEREAS, Borrower is indebted to Lender in the principal sum of $ 35, 000. 00 , or so much thereof
<br />as may be advanced pursuant to Borrower's Revolving Loan Agreement dated FEBRUARY 23, 2001 and
<br />extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and under
<br />the terms specified in the Note, including any adjustments in the interest rate if that rate is variable, and providing for a
<br />credit limit stated in the principal sum above and an initial advance of $35, 000. 00
<br />TO SECURE to Lender the repayment of the indebtedness, including future advances, evidenced by the Note,
<br />with interest thereon at the applicable contract rate (including any adjustments to the amount of payment or the
<br />contract rate if that rate is variable) and other charges; the payment of all other sums, with interest thereon, advance in
<br />accordance herewith to protect the security of this Deed of Trust; and the performance of the convenants and
<br />agreements of Borrower herein contained, Borrower, in consideration of the indebtedness herein recited and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust with power of sale, the following described property
<br />located in the County of HALL State of Nebraska:
<br />LOT 40, JEFFERY OAKS SIXTH SUBDIVISION, IN ADDITION TO THE
<br />CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. TAX MAP OR
<br />PARCEL ID NO.: 40003832-76.
<br />[3
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