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<br />PARTIES: This Deed of Trust is made on 10/20/2008 among, the Grantor, STEPHEN C JOEL and LINDA L JOEL, HUSBAND AND WIFE
<br />("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 ASSOCI.-'\. nON 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: 314 PONDEROSA DR, GRAND ISLAND, NE 68803
<br />
<br />LEGAL DESCRIPTION:
<br />
<br />Lot Six (6), Block One (1), in Ponderosa Lake Estates Fourth Subdivision, an Addition to the City of Grand Island, Hall 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 11/02/2005
<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 ifmade on the date this deed of trust is executed.
<br />
<br />The above obligation is due and payable on December 1,2010 ifnot paid earlier.
<br />The total unpaid balance secured by this deed of trust at anyone time shall not exceed a maximum principal amount of $110,642.00, 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 ofthe 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 iOttached 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 />
<br />rower agree to the terms and convenants contained in this deed of trust, including those on page
<br />gned by Borrower.
<br />
<br />~~cj- c;-..~
<br />L JOEL
<br />
<br />ACKNOWLEDGMENT: STATE OF NEBRASKA, HALL COUNTY SS:
<br />The foregoing instrument was acknowledged before me on 10/20/2008
<br />By STEPHEN C JOEL and LINDA L JOEL, HUSBAND AND IFE
<br />J
<br />
<br />My commission expires:
<br />
<br />5--/f1J-1J-
<br />
<br />
<br />..~
<br />
<br />otary Public)
<br />
<br /> GENERAL NOTARY. State of Nebraska
<br /> MINDY GILBERTSON
<br />"~ -tt My Comm. Exp. May 16, 2012
<br />
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