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<br /> After recording return to: Vl .....
<br /> 2
<br /> CITIFINANCIAL, INC. (MD)
<br /> C"
<br />
<br />2014 N LAWRENCE LANE
<br />GRAND ISLAND NE 68803
<br />
<br />200509731
<br />
<br />I DEED OF TRUST I
<br />
<br />THIS DEED OF TRUST is made this 29th day of September
<br />JAMES A ENCINGER AND DEBORA L ENCINGER HUSBAND AND WIFE
<br />
<br />,2005
<br />
<br />among the Trustor,
<br />
<br />Michael F. Kivett
<br />"Trustee"), and the Beneficiary, CITIFINANCIAL, INC. (MD)
<br />a corporation organized and existing under the laws of Maryland
<br />address is 2014 N LAWRENCE LANE GRAND ISLAND NE 68803
<br />"Lender").
<br />
<br />(herein "Borrower"),
<br />(herein
<br />
<br />, whose
<br />(herein
<br />
<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
<br />HALL ,State of Nebraska:
<br />
<br />THE FOLLOWING DESCRIBED REAL ESTATE IN HALL COUNTY, NEBRASKA: LOT FIVE
<br />(5), FRANZEN SUBDIVISION, A REPLAT OF LOT TWENTY ONE (21), ISLAND
<br />ACRES, CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />
<br />BEING THE SAME PROPERTY CONVEYED BY FEE SIMPLE DEED FROM WAYNE ALAN
<br />WEST AND CAROL RAE WEST, HUSBAND AND WIFE TO JAMES A ENCINGER AND
<br />DEBORA L ENCINGER, DATED 03/18/1992 RECORDED ON 03/20/1992 IN
<br />INSTRUMENT NO 92-102258, IN HALL COUNTY RECORDS, STATE OF NE.
<br />
<br />which has the address of 3003 W 16TH ST
<br />Nebraska 68803 (herein "Property Address");
<br />
<br />GRAND ISLAND
<br />
<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 />
<br />TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated 09/29/2005
<br />and extensions and renewals thereof (herein "Note"), in the principal sum of U.S. $ 85,163.25, with interest thereon,
<br />providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due
<br />and payable on 10/15/2035 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to
<br />protect the security of this Deed of Trust; and the performance of the covenants and agreements of Borrower herein
<br />contained.
<br />
<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 />
<br />Nebraska 26876-4 1198 Original (Recorded)
<br />
<br />Copy (Branch)
<br />
<br />Copy (Customer)
<br />
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