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<br />DEED OF TRUST
<br />PARTIES: This Deed of Trust is made on 11/18/2003 among, the Grantor, JANELL M EPP AND, A SINGLE PERSON ( "Borrower "),
<br />AREND R BAACK, ATTORNEY, whose residence address is P. O. Box 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 69801 ("Lender").
<br />CONVEYANCE: For value received, Borrower irrevocably grants and conveys to 'frnstee, 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, msemerns, rents, issues, profits, income, tenements, hereditaments, privileges and any appurtenances thereunto belonging (all called the
<br />..property ").
<br />PROPERTY ADDRESS: 121 WEST 19TH STREET, GRAND ISLAND, Nebraska 68801
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<br />LEGAL DESCRIPTION: S
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<br />LOT TEN (10), BLOCK TWO (2), IN MORRIS ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />Located in 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 />M A PROMISSORY NOTE. AND SECURITY AGREEMENT DATED 11/18/2003
<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 advances under
<br />the agreement are contemplated and will be secured to the same extern as if made on the date this deed of trust is executed.
<br />The above obligation is due and payable on November 20, 2006 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 $8,579.37, plus
<br />interest, plus arty amounts disbursed under the terms of this decd of trust to protect the security of this deed of trust or to perform any of the
<br />covenants contained in this deed of Fast, with interest na 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 inumbed 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 pan hereof.
<br />SIGNATURES: By signing below, Borrower agree to the terms and convenants contained in this deed of trust, including those on page
<br />2, and in n riders described above signed by Borrower.
<br />'PP
<br />ACKNOWLEDGMENT: STATE OF NEBRASKA, HALL COUNTY SS:
<br />The foregoing instrument was acknowledged before me on 11/18/2003
<br />By JANELL M EPP and, A SINGLE PERSON
<br />W6MMNOTORY- Sblaof NOW(a
<br />PFNNYHOLLOWAY
<br />CmsaBli. Ney10. 2D01 (Narmy Public)
<br />My commission
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