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THIS DEED OF TRUST ( "Security Instrument ") is made on December 5, 2005. The grantor is Mark Lemburg,
<br />whose address is 14419 W. Airport Rd., Cairo, Nebraska 68824 ; and Deborah Lemburg, whose address is 14419
<br />W Airport Rd., Cairo, Nebraska 68824 ( "Borrower "). Borrower is not necessarily the same as the Person or
<br />Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br />trustee is The State Bank of Cairo ( "Trustee "). The beneficiary is The State Bank of Cairo, which is organized and
<br />existing under the laws of the State of Nebraska and whose address is 306 S. High, Cairo, Nebraska 68824
<br />( "Lender "). Mark Lemburg and Deborah Lemburg owe Lender the principal sum of Sixty-eight Thousand and
<br />00 /100 Dollars (U.S. $68,000.00), which is evidenced by the note, consumer loan agreement, or similar writing
<br />dated the same date as this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic
<br />Payments "), with the full debt, if not paid earlier, due and payable on December 8, 2010. This Security Instrument
<br />secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions
<br />and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of
<br />this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property;
<br />and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
<br />this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the County of Hall, State of
<br />Nebraska:
<br />tom. Address: 14419 W. Akport 1d;
<br />Legal Description: Lot One (1), Lemburg Subdivision, Hall County, Nebraska
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable .Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />0 2004.2005 Compliance Systems, Inc. 1061.2488 - 2005.08. 128 www.compliance5y5tcmq.coni
<br />Consumer Real Estate - Security instrument UL2036 Page 1 of 6 800 -968 -8522 - Fax 616- 956.1868
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<br />-LOAN
<br />NUMBER: 5656
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on December 5, 2005. The grantor is Mark Lemburg,
<br />whose address is 14419 W. Airport Rd., Cairo, Nebraska 68824 ; and Deborah Lemburg, whose address is 14419
<br />W Airport Rd., Cairo, Nebraska 68824 ( "Borrower "). Borrower is not necessarily the same as the Person or
<br />Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br />trustee is The State Bank of Cairo ( "Trustee "). The beneficiary is The State Bank of Cairo, which is organized and
<br />existing under the laws of the State of Nebraska and whose address is 306 S. High, Cairo, Nebraska 68824
<br />( "Lender "). Mark Lemburg and Deborah Lemburg owe Lender the principal sum of Sixty-eight Thousand and
<br />00 /100 Dollars (U.S. $68,000.00), which is evidenced by the note, consumer loan agreement, or similar writing
<br />dated the same date as this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic
<br />Payments "), with the full debt, if not paid earlier, due and payable on December 8, 2010. This Security Instrument
<br />secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions
<br />and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of
<br />this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property;
<br />and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
<br />this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the County of Hall, State of
<br />Nebraska:
<br />tom. Address: 14419 W. Akport 1d;
<br />Legal Description: Lot One (1), Lemburg Subdivision, Hall County, Nebraska
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable .Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />0 2004.2005 Compliance Systems, Inc. 1061.2488 - 2005.08. 128 www.compliance5y5tcmq.coni
<br />Consumer Real Estate - Security instrument UL2036 Page 1 of 6 800 -968 -8522 - Fax 616- 956.1868
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