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<br />RECORDATION REQUESTED BY:
<br />Cornerstone Bank N.A.
<br />1205 11 th Street
<br />P.O. Box 386
<br />Aurora, NE 68818
<br />WHEN RECORDED MAIL TO:
<br />Cornerstone Bank N.A.
<br />1205 11 th Street
<br />P.O. Box 386
<br />Aurora, NE 68818
<br />200004935
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on June 16, 2000. The trustor is Michael D. Kemling and Susan A. Kemling,
<br />Husband and Wife ( "Borrower "). The trustee is NATIONAL BANK OF COMMERCE TRUST AND SAVINGS ASSOCIATION, 13TH AND "O"
<br />STREET, LINCOLN, NEBRASKA 68508 ( "Trustee "). The beneficiary is Cornerstone Bank N.A., which is organized and existing under the
<br />laws of the United States of America, and whose address is 1205 11th Street, P.O. Box 386, Aurora, NE 68818 ( "Lender "). Borrower owes
<br />Lender the principal sum of Eighty Thousand One Hundred 8100/100 Dollars (U.S. $80,100.00). This debt is evidenced by Borrower's note dated
<br />the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />July 1, 2030. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this
<br />Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this purpose, Borrower irrevocably grants and conveys
<br />to Trustee, in trust, with power of sale, the following described property located in Hall County, Nebraska:
<br />Lot Five (5), Block Six (6), in Kay Dee Subdivision, in the City of Grand Island, Hall County, Nebraska
<br />which has the address of 1816 Roberta Avenue, Grand Island, Nebraska 68803 ( "Property Address ");
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or
<br />hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in
<br />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 the Property
<br />and that the Property is unencumbered, except for 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 />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non — uniform covenants with limited variations by jurisdiction
<br />to constitute a uniform security instrument covering real property.
<br />NEBRASKA — Single Family Form 3028 9/90
<br />Fannie Mae /Freddie Mac UNIFORM INSTRUMENT lnana 1 MR nanacl
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<br />200004935
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on June 16, 2000. The trustor is Michael D. Kemling and Susan A. Kemling,
<br />Husband and Wife ( "Borrower "). The trustee is NATIONAL BANK OF COMMERCE TRUST AND SAVINGS ASSOCIATION, 13TH AND "O"
<br />STREET, LINCOLN, NEBRASKA 68508 ( "Trustee "). The beneficiary is Cornerstone Bank N.A., which is organized and existing under the
<br />laws of the United States of America, and whose address is 1205 11th Street, P.O. Box 386, Aurora, NE 68818 ( "Lender "). Borrower owes
<br />Lender the principal sum of Eighty Thousand One Hundred 8100/100 Dollars (U.S. $80,100.00). This debt is evidenced by Borrower's note dated
<br />the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
<br />July 1, 2030. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this
<br />Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this purpose, Borrower irrevocably grants and conveys
<br />to Trustee, in trust, with power of sale, the following described property located in Hall County, Nebraska:
<br />Lot Five (5), Block Six (6), in Kay Dee Subdivision, in the City of Grand Island, Hall County, Nebraska
<br />which has the address of 1816 Roberta Avenue, Grand Island, Nebraska 68803 ( "Property Address ");
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or
<br />hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in
<br />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 the Property
<br />and that the Property is unencumbered, except for 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 />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non — uniform covenants with limited variations by jurisdiction
<br />to constitute a uniform security instrument covering real property.
<br />NEBRASKA — Single Family Form 3028 9/90
<br />Fannie Mae /Freddie Mac UNIFORM INSTRUMENT lnana 1 MR nanacl
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