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<br />DEED OF TRUST
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<br />PARTIES: This Deed of Trust is made on 06/09/2007 among, the Grantor, BENJAMIN L BEBERNISS and CASSANDRA BEBERNISS,
<br />HUSBAND AND WIFE ("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 68801 ("Lender").
<br />CONVEYANCE: For value received, Borrower irrevocably grants and conveys to Trustee, 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, easements, rents, issues, profits, income, tenements, hereditaments, privileges and any appurtenances thereunto belonging (all called the
<br />"property").
<br />PROPERTY ADDRESS: 432 E HALL ST, Grand Island, Nebraska 68801-8044
<br />
<br />LEGAL DESCRIPTION:
<br />
<br />LOT ONE HUNDRED TWELVE (112), IN BUENA VISTA SUBDIVISION, AN ADDITION TO THE CITY OF GRAND ISLAND, HALL
<br />COUNTY, NEBRASKA
<br />
<br />Located in Hall County, Nebraska.
<br />TITLE: Borrower convenants and warrants title to the property, except for
<br />
<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 />
<br />. A PROMISSORY NOTE AND SECURITY AGREEMENT DATED 06/09/2007
<br />
<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 />
<br />o 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 extent as if made on the date this deed of trust is executed.
<br />
<br />The above obligation is due and payable on June 20, 2014 if not paid earlier.
<br />The total unpaid balance secured by this deed of trust at anyone time shall not exceed a maximum principal amount of $20,876.50, 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 of trust, with interest on such disbursements.
<br />o Variable Rate: The interest rate on the obligation secured by this deed of trust may vary according to the terms of that obligation.
<br />o 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 />
<br />RIDERS: ASSIGNMENT OF RENTS
<br />
<br />DESIGNATION OF HOMESTEAD
<br />Pursuant to the Farm Homestead Protection Act, designation of homestead iC1ttached to this deed of trust and made a part hereof has
<br />o been disclaimed; the disclaimer is attached to this deed of trust and made a part hereof.
<br />
<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 any riders described above signed by Borrower.
<br />
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<br />- B JAMIN L BEBERNISS
<br />
<br />C;044 tA.!Ld/CBt7'~4 /1A~
<br />CASSANDRA BEBERNISS
<br />
<br />ACKNOWLEDGMENT: STATE OF NEB KA, HALL COUNTY SS:
<br />The foregoing instrument was ac w dged before me on 06/09/2007
<br />By BENJAMIN L BEBERNIS CASSANDRA BEBERNISS, HUSl3AN
<br />
<br />My oomm:=:;:~St< . Neb: j1", ;JJJ t/; /
<br />
<br />MEGAN D. FREDERIKSEN
<br />My Comm. Exp. April 6. 2010
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