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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST is made this 28th day of October 2002 , among the
<br />Trustor, Randy L. Gard and Vicki Jean Gard, as husband and wife
<br />(herein "Borrower ") `>
<br />(herein "Trustee "), and the Beneficiary, United Nebraska Bank O�
<br />a corporation organized and existing under the laws of A United States Corporation c�^
<br />whose address is 700 North Webb Road Grand Island, NE 68803
<br />(herein "Lender ")
<br />Borrower, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located in the County of Hall
<br />State of Nebraska:
<br />Lot Seven (7), in Block One (1), Ponderosa Lake Estates Fourth Subdivision, an Addition to the City of Grand
<br />Island, Hall County, Nebraska.
<br />which has the address of 320 Ponderosa Drive
<br />68803 streetl
<br />Nebraska (herein "property Address ");
<br />IZip Codel
<br />Grand Island
<br />[City]
<br />TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,
<br />appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such
<br />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
<br />foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter
<br />referred to as the "Property ";
<br />TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated October 28th
<br />2002 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $ 66,300.00,
<br />with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if
<br />not sooner paid, due and payable on November 1, 2032 ; the payment of all other sums, with
<br />interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the
<br />covenants and agreements of Borrower herein contained.
<br />Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and
<br />convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that
<br />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />encumbrances of record.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness
<br />evidenced by the Note and late charges as provided in the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to
<br />Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a
<br />sum (herein "Funds ") equal to one - twelfth of the yearly taxes and assessments (including condominium and planned unit
<br />development assessments, if any) which may attain priority over this Deed of Trust, and ground rents on the Property, if
<br />any, plus one - twelfth of yearly premium installments for hazard insurance, plus one - twelfth of yearly premium installments
<br />for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of
<br />assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to
<br />Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is
<br />an institutional lender.
<br />NEBRASKA - second Mortgage - 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT Form 3828
<br />4572.CV (5/01) G11979 Page 1 of
<br />GOTO(0003413)
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<br />THIS DEED OF TRUST is made this 28th day of October 2002 , among the
<br />Trustor, Randy L. Gard and Vicki Jean Gard, as husband and wife
<br />(herein "Borrower ") `>
<br />(herein "Trustee "), and the Beneficiary, United Nebraska Bank O�
<br />a corporation organized and existing under the laws of A United States Corporation c�^
<br />whose address is 700 North Webb Road Grand Island, NE 68803
<br />(herein "Lender ")
<br />Borrower, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located in the County of Hall
<br />State of Nebraska:
<br />Lot Seven (7), in Block One (1), Ponderosa Lake Estates Fourth Subdivision, an Addition to the City of Grand
<br />Island, Hall County, Nebraska.
<br />which has the address of 320 Ponderosa Drive
<br />68803 streetl
<br />Nebraska (herein "property Address ");
<br />IZip Codel
<br />Grand Island
<br />[City]
<br />TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,
<br />appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such
<br />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
<br />foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter
<br />referred to as the "Property ";
<br />TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated October 28th
<br />2002 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $ 66,300.00,
<br />with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if
<br />not sooner paid, due and payable on November 1, 2032 ; the payment of all other sums, with
<br />interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the
<br />covenants and agreements of Borrower herein contained.
<br />Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and
<br />convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that
<br />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />encumbrances of record.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness
<br />evidenced by the Note and late charges as provided in the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to
<br />Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a
<br />sum (herein "Funds ") equal to one - twelfth of the yearly taxes and assessments (including condominium and planned unit
<br />development assessments, if any) which may attain priority over this Deed of Trust, and ground rents on the Property, if
<br />any, plus one - twelfth of yearly premium installments for hazard insurance, plus one - twelfth of yearly premium installments
<br />for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of
<br />assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to
<br />Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is
<br />an institutional lender.
<br />NEBRASKA - second Mortgage - 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT Form 3828
<br />4572.CV (5/01) G11979 Page 1 of
<br />GOTO(0003413)
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