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99 111333 After recording return to: CITIFINANCIAL, INC. (MD) 3415 WEST STATE STREET GRAND ISLAND NE 68803 DEED OF TRUST THIS DEED OF TRUST is made this 2 7 th day of Novembe r , 19 9 9 among the Trustor, JAMES J PFLASTERER VICKI L PFLASTERER (JOINT AS HIISBAND AND WIFE) (herein "Borrower"), Michael F. Kivett (herein "Trustee"), and tl�e Beueficiary, CITIFINANCIAL, INC. (MD) , a corporation organized and existing under the laws of Maryland , whose address is 3415 WEST STATE STREET GRAND ISLAND NE 68803 (herein "Lender"). BORROWER, in consideratiou of the indehtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, tl�e following described property located in the County of HALL , State of Nebraska: LOT SEVEN (7) , ROSS FIRST SUBDIVISION, CITY OF GRAND ISLAND, HALL COUNTY, NF.BRASKA. which has the address of 4227 WEST CAPITAL , GRAND ISLAND , I�Iebraska 68803 (herein "Property Address"); TOGETHER with all the im�rove�r,ents nc�� or hereafter erected on the property, and all easements, ribhts, appurtenances and rents (subject however to ttie rib►lts and authorities giveii herein to Lender to collect and apply such re�its), all of wliich shall be deemed tu be and reinaiu a part of the property covered by tlus Deed of Trust; and all of the � foregoiiig, together with said property (or the leasel�old 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 indebtediiess evidenced by Borrower's note dated 11/2 7/19 9 9 and extensions and renewals thereof(herein °Note"), in tlie principal sum of U.S. $ 15,193.05 , with interest thereon, providina f�r monthly installments of principal and interest, witli the balance of tl�e indebtedness, if not sooner paid, due and payable ou 12/15/2004 ; the payment of all otl�er sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and tl�e performance of tl�e covenants aud agreements of Borrower herein eontained. Borrower covenants tl�at Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and coirvey 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.