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<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security InstrumenY') is made on June 15th 1999 . The trustor
<br /> is DOUGLAS A. MILLER and PAMELA M. MILLER , Husband and Wife as Joint Tenants with Riqht of
<br /> Surivorship
<br /> ("Borrower").
<br /> The trustee is BANK OF DONIPHAN P.O. BOX 270 DONIPHAN, NE 68832
<br /> ("Trustee").
<br /> The beneficiary is BANK OF DONIPHAN
<br /> which is organized and existing under the laws of the State of Nebraska , and whose address
<br /> is P.O. BOX 270 DONIPHAN NE 68832 ("Lender").
<br /> Borrower owes Lender the principal sum of Seven ThOUSand and JO 100
<br /> Dollars (U.S.$ 70,000.00). This debt is evidenced by Borrower's note dated the
<br /> same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid eariier, due and
<br /> payable on June 15, 2000 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced
<br /> by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest,
<br /> advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and
<br /> agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br /> proper[y located in HALL County, Nebraska:
<br /> LOT SEVENTEEN (17), JEFFREY OAKS 6TH SUBDIVISION, GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br /> which has the address of 4140 MANCHESTER , GRAND ISLAND
<br /> Street City
<br /> Nebraska 68803 ("Property Address");
<br /> Zip Code
<br /> TOGETHER WITH all improvements now or hereafter erected on the properry, and all easements, appurtenances, and fixtures now
<br /> or hereafter a part of the property. All replacements and additions shall be covered by this Security Instrument. All of the foregoing is
<br /> 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 convey
<br /> the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally
<br /> 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 variations by
<br /> 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
<br /> the 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 and
<br /> assessments which may attain prioriry over this Securiry Instrument as a lien on the Property; (b) yearly leasehold payments or ground
<br /> rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly
<br /> mortgage insurance premiums, if any; and (� any sums payable by Borrower to Lender, in accordance with the provisions of paragraph
<br /> 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, coilect
<br /> and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for
<br /> NEBRASKA-Single Famlly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 9/90
<br /> F1029.LM� (3/99) Page 1 of 5
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