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2000300918 After recording return to: CITIFINANCIAL, INC. (MD) 3415 WEST STATE STREET GRAND ISLAND NE 68803 DEED OF TRUST THIS DEED OF TRUST is made this 24th day of August 2000 among the Trustor, KIM E BUCKNER A SINGLE PERSON (herein "Borrower "), Michael F. Kivett (herein "Trustee "), and the Beneficiary, CITIFINANCIAL, INC. (MD) , a corporation organized and existing under the laws of Maryland , whose address is 3415 WEST STATE STREET GRAND ISLAND NE 68803 (herein "Lender "). BORROWER, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of HALL , State of Nebraska: A TRACT OF LAND BEING A PART OF LOT 8 OF COUNTY SUBDIVISION OF THE S 1/2 SE 1/4 OF SECTION 16, TOWNSHIP 11 NORTH, RANGE 9 WEST OF THE 6TH P.M. , HALL COUNTY, NEBRASKA, DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHWEST CORNER OF LOT 8 OF SAID COUNTY SUBDIVISION AS ORIGINALLY PLATTED, THENCE SOUTHERLY ALONG THE WESTERLY LINE OF CEDAR STREET (BE THE WESTERLY LINE OF SAID LOT 8 AS ORIGINALLY PLATTED) A DISTANCE OF 119.45 FEET, THENCE EASTERLY PARALLEL WITH THE NORTHERLY LINE OF SAID LOT 8 AS ORIGINALLY PLATTED A DISTANCE OF 80 FEET TO THE EASTERLY LINE OF CEDAR STREET AS THE ACTUAL POINT OF BEGINNING; THENCE EASTERLY PARALLEL WITH THE NORTHERLY LINE OF SAID LOT 8 A DISTANCE OF 58 FEET, THENCE SOUTHERLY PARALLEL WITH THE EAST LINE OF SAID CEDAR STREET A DISTANCE OF 60.55 FEET, THENCE WESTERLY PARALLEL WITH THE NORTHERLY LINE OF SAID LOT 8 AS ORIGINALLY PLATTED A DISTANCE OF 58 FEET TO THE EASTERLY LINE OF SAID CEDAR STREET, THENCE ALONG THE EASTERLY LINE OF SAID CEDAR STREET IN A NORTHERLY DIRECTION A DISTANCE OF 60.55 FEET TO THE ACTUAL POINT OF BEGINNING, SUBJECT TO AN ALLEY DESCRIBED IN DEED RECORDED IN BOOK 26, PAGE 574. which has the address of 411 S CEDAR ST GRAND ISLAND Nebraska 6 8 8 01- 6 5 0 5 (herein "Property Address TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered by this Deed of Trust; and all of the foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter referred to as the "Property "; TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated 08/24/2000 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $ 12, 240.25 , with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on 0 9 / 0 7 / 2 010 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the covenants and agreements of Borrower herein contained. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record.