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D v J N (C 1 C) rl, v a r M u z V '_' S� V V 6J tL o CJ LJ T W 11.J - O W N s N U O DEED OF TRUST 20030015E THIS DEED OF TRUST is made this 3rd day of January , 2003 among the Truster, MYRTLE A. SCHULZ A SINGLE PERSON AND MELODY BUMGARDNER A SIN GIB QS PERSON (herein Borrower "), Michael F. Kivett (herein "Trustee "), and the Beneficiary, CITIFINANCIAL, INC. (MD) a corporation organized and existing under the laws of Maryland , whose address is 2014 N LAWRENCE LANE GRAND ISLAND HE 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 following described property located in the County of HALL , State of Nebraska; LOT TEN (10), IN BLOCK TWO (2), DALE ROUSH SECOND SUBDIVISION, CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. which has the address of 415 ARAPAHOE GRAND ISLAND Nebraska 68803 (herein "Property Address "); TOGHI'IIER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered by this Deed of Trust; and all of the foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) me hereinafter referred to as the "Property "; TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated 01 / 03 /2 003 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $ 25, 855.73 , with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on 01/15/2018 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the covenants 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 convey 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. Nebraska 26876 -4 1198 Original(Recorded) Copy(Branch) Copy(Customer) Page l of