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DEED OF TRUST
<br />PARTIES: This Deed ofTmst is made on 02/13/2003 among, the Grantor, JAMES A RUZICKA AND PATRICIA R RUZICKA, HUSBAND
<br />AND WIFE ("Borrower"),
<br />AREND R BAACK, ATTORNEY, whose residence address is P. O. Be. 790, Grand Island, Hall County, Nebraska ("Trustee "), and the
<br />Beneficiary, HOME FEDERAL 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 ( "Lender").
<br />CONVEYANCE: For value received, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the real properly, of
<br />which Borrower is lawfully seized, described below and all buildings, fixtures, and existing and future improvements thereon and all rightabf-
<br />way, easements, rents, issues, profits, income, tenements, hereditaments, privileges and any appurtenances thereunto belonging (all called the
<br />"property")
<br />PROPERTY ADDRESS: 508 EAST 18TH STREET, GRAND ISLAND, Nebraska 68801
<br />LEGAL DESCRIPTION:
<br />LOT 4, BLOCK 2, WAGGENER SUBDIVISION, HALL COUNTY, NEBRASKA
<br />Located in Hall County, Nebraska.
<br />TITLE: Borrower consonants and warrants title to the property, except for
<br />SECURED DEBT: This deed of trust secures [o Lender repayment of the secured debt and the performance of the convenants and agreements
<br />contained in this deed of mast 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 />M A PROMISSORY NOTE AND SECURITY AGREEMENT DATED 02/13/2003
<br />® 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 advance under
<br />the agreement are contemplated and will be secured to the same extent as Trustee on the date this deed of trust a executed.
<br />The above obligation is due and payable on May 14, 2003 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 $40,07050, 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 informal, with interest on such disbursements.
<br />❑ Variable Rate: The interest ate 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 i "ttached 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 movements contained in this deed of trust, including those on page
<br />2, and in any riders described a ova signed by Borrower.
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<br />"RTES A RUZICKA U PATRICIA R RUZICKK-
<br />ACKNOWLEDGMENT: STATE OFNEBRASKA, HALL COUNTY SS:
<br />The foregoing instroment was acknowledged before me on 02/13/2003
<br />By JAMES A RUZICKA and PATRICIA R RUZICKA, HUSBAND AND WIFE
<br />My commission expires:,
<br />III GENEPAL MARILYN D. S of KELS a `ML�C. (Notary Public)
<br />ILVN D. STICKELS
<br />BY Comm. Eq. Jan. 19, 2004
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<br />DEED OF TRUST
<br />PARTIES: This Deed ofTmst is made on 02/13/2003 among, the Grantor, JAMES A RUZICKA AND PATRICIA R RUZICKA, HUSBAND
<br />AND WIFE ("Borrower"),
<br />AREND R BAACK, ATTORNEY, whose residence address is P. O. Be. 790, Grand Island, Hall County, Nebraska ("Trustee "), and the
<br />Beneficiary, HOME FEDERAL 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 ( "Lender").
<br />CONVEYANCE: For value received, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the real properly, of
<br />which Borrower is lawfully seized, described below and all buildings, fixtures, and existing and future improvements thereon and all rightabf-
<br />way, easements, rents, issues, profits, income, tenements, hereditaments, privileges and any appurtenances thereunto belonging (all called the
<br />"property")
<br />PROPERTY ADDRESS: 508 EAST 18TH STREET, GRAND ISLAND, Nebraska 68801
<br />LEGAL DESCRIPTION:
<br />LOT 4, BLOCK 2, WAGGENER SUBDIVISION, HALL COUNTY, NEBRASKA
<br />Located in Hall County, Nebraska.
<br />TITLE: Borrower consonants and warrants title to the property, except for
<br />SECURED DEBT: This deed of trust secures [o Lender repayment of the secured debt and the performance of the convenants and agreements
<br />contained in this deed of mast 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 />M A PROMISSORY NOTE AND SECURITY AGREEMENT DATED 02/13/2003
<br />® 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 advance under
<br />the agreement are contemplated and will be secured to the same extent as Trustee on the date this deed of trust a executed.
<br />The above obligation is due and payable on May 14, 2003 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 $40,07050, 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 informal, with interest on such disbursements.
<br />❑ Variable Rate: The interest ate 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 i "ttached 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 movements contained in this deed of trust, including those on page
<br />2, and in any riders described a ova signed by Borrower.
<br />�riNArvy -e Q � � �n,7�,.r.� �+ L i - /r
<br />"RTES A RUZICKA U PATRICIA R RUZICKK-
<br />ACKNOWLEDGMENT: STATE OFNEBRASKA, HALL COUNTY SS:
<br />The foregoing instroment was acknowledged before me on 02/13/2003
<br />By JAMES A RUZICKA and PATRICIA R RUZICKA, HUSBAND AND WIFE
<br />My commission expires:,
<br />III GENEPAL MARILYN D. S of KELS a `ML�C. (Notary Public)
<br />ILVN D. STICKELS
<br />BY Comm. Eq. Jan. 19, 2004
<br />
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