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f 99 110955 After recording return to: ;�ITIFINANCIAL, INC. (MD) 3415 WEST STATE STREET I GRAND ISLAND NE 68803 I DEED OF TRUST THIS DEED OF TRUST is made this llth day of November , 1999 among the Trustor, JAMES M BERGER SHARON A BERGER�Joint as Husband and Wife) (herein "Borrower"), Michael F. Kivett (herein "Trustee"), and the Beneticiary, CITIFINANCIAL, INC. (MD) . a corporation or�anized and existing under the laws of Maryland , whose address is 3415 WEST STATE STREET GRAND ISLAND NE 68803 (herein "Lender"). BORROWER, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the followiug described property located in the County of HALL , State of Nebraska: LOT ONE (1) , GRAFF SUBDIVISION, HALL COUNTY, NEBRASKA. which has the address of 4385 W STOLLEY PK RD , ALDA > Nebraska 68810 (herein "Property Address"); TOGETHER with all the improvements now or hereafter erected on the property, aud all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Leuder to collect and apply such rents), all of whicl� shall be deemed to be and remain a part of the property covered by this Deed of Trust; and all of the foregoing, togetl�er with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter referred to as the "Property"; TO SEC URE to Lender the repayment of the indebtedness evidenced by Borrower's note dated 11/11/19 9 9 and extensions and renewals thereof(herein "Note"), in the principal sum of U.S. $ 25,288.31 , with interest thereon, providing for monthly ii�stallments of principal and interest, with the balance of the indebtedness, if not sooner paid, due aud payable on 11/16/2004 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of tliis Deed of Trust; and the performance of the covenauts and agreements of Borrower herein contained. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and couvey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record.