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<br />   				State of Nebraska    					Space Above This Line For Recording Data
<br />      						REAL ESTATE DEED OF TRUST   					��
<br />  								(With Future Advance Clause)     							°a
<br />      							❑ Construction Security Agreement
<br />      	1.  DATE AND PARTIES. The date of this Deed of Trust is .......June,,15.,.,1999,,,,,,,,,,,,,,,,, and the parties and their
<br />  		addresses are as follows:
<br />    		TRUSTOR:	�� �� �—��SS,  JR.      	JE[�TIFER L.  RF'RF'RNTSS
<br />   					HUSBAND ArID WIFE				HCTSBADID AND WIFE
<br />   					1521 W.  1ST STRE�I'     			1521 W.  1ST STREET
<br />   					C�1�ID ISI,AI�ID,  NE   68801    		C�ID ISLAI�ID,  NE   68801
<br />   					Social Security #:    506-96-5474       Social Security #:    507-11-3019
<br />   					❑ Refer to the Addendum which is attached and incorporated herein for additional Trustors.
<br />    		TRUSTEE:     BANK OF WOOD RIVER DBA HERITAGE BANK GRAND  ISLAND
<br />       				PO BOX 5138
<br />       				GRAND  ISLAND NE   68802
<br />       				TAXPAYER I.D.  4�:  47-0098350
<br />    		BENEFICIARY:  �K OF WOOD RIVER dba HERIT��GE BANK C��ID ISL�AND
<br />   					On�anized and existing under the laws of the state of Nebraska
<br />   					P.O.  BOX 5138
<br />   					GRAND ISL�ND,  NE   68802
<br />   					Taxpayer I.D.  #:   47-0098350
<br />      	2.  CON�EYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to
<br />   		secure the Secured Debt (hereafter defined), Trustor irrevocably grants, conveys and sells to Trustee, in trust for the
<br />   		benefit of the Beneficiary, with power of sale, the following described property: THE WEST SE�7ELVTY(70)  FE�!' OF
<br />   		'�HE NORTH HAL�' OF L�7T ELEVIIV(11) ,  AND T�iE WEST SE'�III�]TY(7 0)  FE�!' OF L�OT 'IWELUE(12) ,
<br />   		IN BUJC'K T�IF2EE(3) ,  IN 'I�E FIRST ADDITION 'IL7 '�HE VILL�AGE OF CAIRO,  HALI� COUNTY,
<br />   		NE6F�SKA,
<br />   		Theproperty is located in ..�L............................................................. at ............................................
<br />       									(Counry)
<br />   		.......................................................... .....CAIRO.............................., Nebraska .....68824..................
<br />  					(Address)   					(Ciry)  					(ZIP Code)     a
<br />   		Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, crops, timber, all
<br />   		diversion payments or third party payments made to crop producers, and all existing and future improvements, structures,
<br />   		fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above (all
<br />   		referred to as "Property"). The term Property also includes, but is not limited to, any and all water wells, water, ditches,
<br />   		reservoirs, reservoir sites and dams located on the real estate and all riparian and water rights associated with the Property,
<br />   		however established.
<br />      	3.  MAXIMiJM OBLIGATION LIMIT. The total principal amount of the Secured Debt (hereafter defined) secured by this
<br />   		Deed of Trust at any one time shall not exceed$ 25,768.,60........................:......... . 'I'his limitation of amount does
<br />   		not include inlerest, loan charges, commitment fees, brekerage commissions, attorneys' fees and o±her charges validly
<br />   		made pursuant to this Deed of Trust and does not apply to advances (or interest accrued on such advances) made under the
<br />   		terms of this Deed of Trust to protect Beneficiary security and to perform any of the covenants contained in this Deed of
<br />   		Trust. Future advances are contemplated and, along with other future obligations, are secured by this Deed of Trust even
<br />   		though all or part may not yet be advanced. Nothing in this Deed of Tnzst, however, shall constitute a commitment to
<br />   		make additional or future loans or advances in any amount. Any such commitment would need to be agreed to in a separate
<br />   		writing.
<br />      	4.  SECURED DEBT DEFINED. The term "Secured Debt" includes, but is not limited to, the following:
<br />       		A. The promissory note(s), contract(s), guazanty(s) or other evidence of debt described below and all extensions,
<br />    			renewals, modifications or substitutions (Evidence of Debt). (When referencing the debts below it is suggested that
<br />   			you include items such as borrowers'names, note amounts, interest rates, maturity dates, etc.)
<br />   			NO'I'E DATID JUNE 15,  1999
<br />   		NEBRASKA-AGRICULTURAL/COMMERCIAL DEED OF TRUST �NOT FOR FNMA,FHLMC,FHA OR VA USE,AND NOT FOR CONSUMER PURPOSES)		page 1 of 6
<br />   		O 1993 Bankers Systems,Inc.,St.Cloud,MN(1-800397-2341) Form AG/CO-DT-NE 10/30/97    		.     .
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