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<br />State of Nebraska Space Above This Line For Recording Data
<br />REAL ESTATE DEED OF TRUST
<br />(With Future Advance Clause)
<br />Construction Security Agreement �a
<br />1. DATE AND PARTIES. The date of this Deed of Trust (Security Instrument) isJan 12, 2004
<br />and the parties, their addresses and tax identification numbers, if required, are as follows:
<br />TRUSTOR: JAMES D SWIATOVIAK
<br />LAUREN F SWIATOVIAK, HUSBAND AND WIFE
<br />48 KUESTER LAKE
<br />GRAND ISLAND, NE 68801
<br />If checked, refer to the attached Addendum incorporated herein, for additional Trustors, their signatures and
<br />acknowledgments.
<br />TRUSTEE:
<br />Arend R. Baack, Attorney
<br />P. O. Box 790
<br />Grand Island, NE 68802
<br />BENEFICIARY:
<br />Home Federal Savings and Loan Association of Grand Island
<br />221 South Locust Street Grand Island, NE 68801
<br />Organized and Existing Under the Laws of The State of Nebraska
<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 />LOT TWENTY -EIGHT (28), SITUATED ON THE WEST SIDE OF THE EAST PORTION OF KUESTER'S
<br />LAKE AND BEING ON A PART OF THE EAST HALF OF THE SOUTHWEST QUARTER (E1 /2SW1 /4) OF
<br />SECTION THIRTEEN (13), TOWNSHIP ELEVEN (11) NORTH, RANGE NINE (9), WEST OF THE 6TH
<br />P.M., HALL COUNTY, NEBRASKA.
<br />The property is located in Hall at 48 KUESTER LAKE
<br />(County)
<br />GRAND ISLAND Nebraska 68801
<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 future 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
<br />shall not exceed $ 35, 000.00 . This limitation of amount does not include interest and other
<br />fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made
<br />under the terms of this Security Instrument to protect Beneficiary's security and to perform any of the covenants
<br />contained in this 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
<br />described below and all their extensions, renewals, modifications or substitutions. (You must specifically identify
<br />the debt(s) secured and you should include the final maturity date of such debt(s).)
<br />A Line of Credit Agreement dated 01/12/2004
<br />NEBRASKA - HOME EQUITY LINE OF CREDIT DEED OF TRUST (NOT FOR FNMA, FHLMC, FHA OR VA USE) (page 1 of 4)
<br />cQ 1994 Bankers Systems, Inc., St. Cloud, MN Form OCP- REDT -NE 1/13/99
<br />�® C465(NE) (9902).02 VMP MORTGAGE FORMS - (800)521 -7291
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