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<br /> THIS LOAN IS NOT ASSUMABLE WITHOUT THE �� �
<br /> APPROVAL OF THE DEPARTMENT OF VETERANS (
<br /> AFFAIRS OR ITS AUTHORIZED AGENT
<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security InstrumenY') is made on October 29th , 1999
<br /> The trustor is Daniel L. Fiala and Emalene J. Fiala , Husband and Wife, As Joint Tenants
<br /> ("Borrower^).
<br /> Tne trustee is National Bank of Commerce Trust and Savinqs Association, 13th and "O" Street, Lincoln, NE
<br /> 68508 ("Trustee").
<br /> The beneficiary is The Overland National Bank of Grand Island , wnicn
<br /> is or9anized and existin9 under tne �aws of The United States of America , and whose address is
<br /> 304 West Third Street Grand Island NE 68801 �°Lender"�.
<br /> eorrower owes Lender the principal sum of SeVenty Nlne ThOUS1nd Flfty and 00/100
<br /> Dollars (U.S.$ 79.050.00). This debt
<br /> is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full
<br /> debt, if not paid earlier, due and payable on November 1, 2029 . This Security Instrument secures to Lender: (a) the
<br /> repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all
<br /> other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of
<br /> Borrower's covenants and agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the
<br /> following described property located in Hall County, Nebraska:
<br /> Lot Fifteen (15), in Scheel's Subdivision, being a Tract of land in part of the Southeast Quarter of the
<br /> Southwest (�uarter (SE1/4SW1/4) of Section Thirty- Two (32), in Township Eleven (11) North, Range Nine
<br /> (9) West of the 6th P.M., in Hall County, Nebraska.
<br /> In the event this loan is determined to be ineligible for Loan Guaranty by Department of Veteran's Affairs, this entire loan may be
<br /> declared due and payable at the option of the mortgagee. The addendum to Deed of Trust attached hereto and executed of even date
<br /> herewith is incorporated herein and the covenants and agreements of the addendum shall amend and supplement the covenants and
<br /> agreements of the Deed of Trust as if the addendum were part hereof.
<br /> which has the address of 4033 Scheel Road. , Grand Island, ,
<br /> Nebraska 68801 ("Property Adaress"); c"y
<br /> Zip Code
<br /> TOGETHER WITH all improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or
<br /> hereafter a part of the property. All replacements and additions shall be covered by this Security Instrument. All of the foregoing is referred
<br /> 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 the
<br /> Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to
<br /> 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 cne
<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 Lender
<br /> 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 assessments
<br /> which may attain priorfty over this Security instr�ment as a lien on the Property; (b) yearly leasehold payments or ground rents on the
<br /> Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance
<br /> premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment i
<br /> of mortgage insurance premiums. These items are calied "Escrow Items."
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 8/90
<br /> F4009.LM4 (10/98) Page 1 of 5
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