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<br />Wells Fargo
<br />DEED OF TRUST
<br />PO Box 93300
<br />Albuquerque, NM 87199 -3300
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on December 8, 2000 The trustor is
<br />Susan T. Howard and Jeffrey B. Thies, Wife and Husband
<br />( "Borrower "). The trustee is Wells Fargo Bank Nebraska, National Association
<br />( "Trustee "). The beneficiary is Wells Fargo Bank Nebraska, National Association
<br />which is organized and existing under the laws of United States of America and whose
<br />address is 304 W. 3rd Street, Grand Island, NE 68801
<br />( "Lender "). Borrower owes Lender the principal sum of
<br />Thirty —Two Thousand Dollars (U.S. $ 32,000.00 )•
<br />This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for
<br />monthly payments, with the full debt, if not paid earlier, due and payable on December 8, 2005
<br />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
<br />protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this
<br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property
<br />located in Hall County, Nebraska:
<br />Fractional Lot 10, in Fractional Block 2, in Woodbine Addition to the City of
<br />Grand Island, Hall County, Nebraska, EXCEPTING the Easterly 2 feet thereof, and
<br />it's compliment to —witt: Fractional Lot 10, in Fractional Block 24, in Baker's
<br />Addition to the City of Grand Island, Hall County, Nebraska
<br />which has the address of 2204 W. Division Grand Island [Street, City],
<br />Nebraska 68803 ( "Property Address ");
<br />[Zip Code]
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and
<br />fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security
<br />Instrument. All of the foregoing is referred to in 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
<br />convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will
<br />defend generally the title to the Property 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
<br />variations by jurisdiction to constitute a uniform security instrument covering teal property.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to
<br />Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a) yearly taxes
<br />and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments
<br />or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums,
<br />if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with
<br />the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br />related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br />1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ( "RESPA "), unless another law that applies to the Funds
<br />sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br />Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br />Escrow Items or otherwise in accordance with applicable law.
<br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
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<br />[Space Above This Line For Recording Data]
<br />Wells Fargo
<br />DEED OF TRUST
<br />PO Box 93300
<br />Albuquerque, NM 87199 -3300
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on December 8, 2000 The trustor is
<br />Susan T. Howard and Jeffrey B. Thies, Wife and Husband
<br />( "Borrower "). The trustee is Wells Fargo Bank Nebraska, National Association
<br />( "Trustee "). The beneficiary is Wells Fargo Bank Nebraska, National Association
<br />which is organized and existing under the laws of United States of America and whose
<br />address is 304 W. 3rd Street, Grand Island, NE 68801
<br />( "Lender "). Borrower owes Lender the principal sum of
<br />Thirty —Two Thousand Dollars (U.S. $ 32,000.00 )•
<br />This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for
<br />monthly payments, with the full debt, if not paid earlier, due and payable on December 8, 2005
<br />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
<br />protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this
<br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property
<br />located in Hall County, Nebraska:
<br />Fractional Lot 10, in Fractional Block 2, in Woodbine Addition to the City of
<br />Grand Island, Hall County, Nebraska, EXCEPTING the Easterly 2 feet thereof, and
<br />it's compliment to —witt: Fractional Lot 10, in Fractional Block 24, in Baker's
<br />Addition to the City of Grand Island, Hall County, Nebraska
<br />which has the address of 2204 W. Division Grand Island [Street, City],
<br />Nebraska 68803 ( "Property Address ");
<br />[Zip Code]
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and
<br />fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security
<br />Instrument. All of the foregoing is referred to in 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
<br />convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will
<br />defend generally the title to the Property 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
<br />variations by jurisdiction to constitute a uniform security instrument covering teal property.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to
<br />Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a) yearly taxes
<br />and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments
<br />or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums,
<br />if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with
<br />the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br />related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br />1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ( "RESPA "), unless another law that applies to the Funds
<br />sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br />Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br />Escrow Items or otherwise in accordance with applicable law.
<br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
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