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<br />Deed of Trust is made on November,2r, 2004 among the Grantor, ANNETTE L DAVIS and
<br />Wife and Husband (Borrower "), AREND R BAACK, ATTORNEY, whose residence address is
<br />P. O. Box 790, Grand Island, Hall County, Nebraska ( "Trustee "), and the Beneficiary, HOME FEDERAL
<br />SAVINGS AND LOAN ASSOCIATION OF GRAND ISLAND, a corporation organized and existing under the
<br />laws of NEBRASKA whose address is 221 SOUTH LOCUST STREET, GRAND ISLAND, NEBRASKA 68801
<br />( "Lender ").
<br />CONVEYANCE: For value received, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the real property, of
<br />which Borrower is lawfully seized, described below and all buildings, fixtures, and existing and future improvements thereon and all rights -of-
<br />way, easements, rents, issues, profits, income, tenements, hereditaments, privileges and any appurtenances thereunto belonging (all called the
<br />"property ").
<br />PROPERTY ADDRESS: 1920 W COTTAGE ST — GRAND ISLAND, NE 68803
<br />LEGAL DESCRIPTION:
<br />The West Sixty -Six (66) Feet of Lots Fourteen (14) and Sixteen (16) in Block Two (2) in College Addition to West Lawn, in the City of Grand
<br />Island, Hall County, Nebraska.
<br />Located in Hall County, Nebraska.
<br />TITLE: Borrower convenants and warrants title to the property, except for
<br />SECURED DEBT: This deed of trust secures to Lender repayment of the secured debt and the performance of the convenants and agreements
<br />contained in this deed of trust and in any other document incorporated herein. Secured debt, as used in this deed of trust, includes any amounts
<br />Borrower owes to Lender under this deed of trust or under any instrument secured by this deed of trust, and all modifications, extensions and
<br />renewals thereof.
<br />The secured debt is evidenced by (List all instruments and agreements secured by this deed of trust and the dates thereof.):
<br />Ej A PROMISSORY NOTE AND SECURITY AGREEMENT DATED November 26, 2004.
<br />ED Future advances: The above amount is secured even though all or part of it may not yet be advanced. Future advances are
<br />contemplated and will be secured to the same extent as if made on the date of this deed of trust is executed.
<br />❑ Revolving line of credit agreement dated , with initial annual interest rate of %
<br />All amounts owed under this agreement are secured even though all amounts may not yet be advanced. Future advances under
<br />the agreement are contemplated and will be secured to the same extent as if made on the date this deed of trust is executed.
<br />The above obligation is due and payable on December 01, 2014, if not paid earlier.
<br />The total unpaid balance secured by this deed of trust at any one time shall not exceed a maximum principal amount of $112,300.00, plus
<br />interest, plus any amounts disbursed under the terms of this deed of trust to protect the security of this deed of trust or to perform any of the
<br />covenants contained in this deed of trust, with interest on such disbursements.
<br />❑ Variable Rate: The interest rate on the obligation secured by this deed of trust may vary according to the terms of that obligation.
<br />❑ A copy of the loan agreement containing the terms under which the interest rate may vary is attached to this deed of trust and
<br />made a part hereof.
<br />RIDERS: ASSIGNMENT OF RENTS
<br />DESIGNATION OF HOMESTEAD
<br />Pursuant to the Farm Homestead Protection Act, designation of homestead inttached to this deed of trust and made a part hereof has
<br />❑ been disclaimed; the disclaimer is attached to this deed of trust and made a part hereof.
<br />SIGNATURES: By signing below, Borrower agree to the terms and convenants cunt 'ned in this deed of trust, including those mt page
<br />2, and in any riders described above si ed by Borrower. IV
<br />ANNETTE L DAVIS a VIS
<br />ACKNOWLEDGMENT: STATE OF NEBRASKA, HALL COUNTY SS:
<br />The foregoing instrument was acknowledged before me on November, 2004
<br />By Annette L Davis and I,onnie Davis, Wife and Husband
<br />My commission expires: ZSC. aick",
<br />GENERAL NOTARy - State of Nebraska Notary Public)
<br />BARRY G. SANDSTROM
<br />My Comm. Ex. June 30 2005
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