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? 73440 r hen Recorded Return To: lndecomm Global Services 2925 Country Drive St. Paul, MN 55117 Loan Number XXXXX1295 W . Recorded Mail To: DEED OF TRUST FIFTH ' D MORTGAGE COMPANY 5050 KINGS DRIVE, MD ∎ , :: 2X CINCIN rn =n � [Space Above This Line For Recording Data) THIS DEED OF TRUST ( "Security Instrument ") is made on JANUARY 17, 2013. The trustor is EDWARD J. KOSINSKI AND LARAINE C. KOSINSKI, HUSBAND AND WIFE ( "Borrower "). The trustee is FIDELITY NATIONAL TITLE, 4643 SOUTH ULSTER ST. STE 500, DENVER, CO 80237 ( "Trustee "). The beneficiary is FIFTH THIRD MORTGAGE COMPANY, which is organized and existing under the laws of OHIO, and whose address is 5050 KINGSLEY DRIVE, MD IMOB 2X, CINCINNATI, OH 45263 ( "Lender "). Borrower owes Lender the principal sum of One Hundred Five Thousand Two Hundred Sixteen And No /100 Dollars (U.S. $105,216.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on FEBRUARY 01, 2043. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in HALL County, Nebraska: SEE EXHIBIT A ATTACHED HERETO AND INCORPORATED HEREIN FOR ALL PURPOSES. which has the address of 1323 N. LAFAYETTE AVE. , GRAND ISLAND Nebraska 68803 ( "Property Address "); [Zip Code] [Street] [City] , TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Initi �� =�� FHA Nebraska Deed of Trust Page 1 of 8 C") (r) W O -� C D FHA Case No. 321 - 3188714 -703