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<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST("Security Instrument") is made on Apr i 1 7, 1 9 9 9 . The trustor is
<br /> Ronald L. Hird and Ramona R. Hird, husband and wife
<br /> ("Borrower"). The trustee is Norwest Bank Nebraska, National Association
<br /> ("Trustee"). The beneficiary is Norwest Bank Nebraska, National Association
<br /> which is organized and existing under the laws of United States of America , and whose
<br /> address is 3404 West 1 3th St
<br /> Grand Island, NE 68802 ("Lender"). Borrower owes Lender the principal sum of
<br /> Fifty Thousand One Hundred Twenty Six & no/1 00--Dollars (U.S. $ 50, 1 26. 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 Apr i 1 1 6, 2 0 0 9 ,
<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 /> The North 65 feet of Lot 2 and the South 95 feet of Lot 3,
<br /> Block 4, Replat of Riverside Acres, an Addition to the City of
<br /> Grand Island, Hall County, Nebraska.
<br /> which has the address of 271 5 Apache Road, Grand Island [s«ee�,c�ry�,
<br /> Nebraska 6 8 8 01 ("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 real 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 an the Property; (b) yearly leasehold payments
<br /> or ground rents on the Property, if any; (c) yearly hazard ar property insurance premiums; (d) yearly flood insurance premiums,
<br /> if any; (e) yearly mortgage insurance premiums, if any; and (� 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 seg. ("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 inay estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of fiuture
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 9/90
<br /> �NI 12T97 MTG VMP MORTGAGE FORMS-(3131293-8700-(80015 2 1-7 2 9 1 Page i of 4 Amended 5/91
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