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<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST("Security Instrument")is made on July 26,2013. The grantor is ROBERT J BIALAS
<br /> and ANNA M BIALAS, HUSBAND AND WIFE, whose address is 2621 ST PAUL RD, GRAND ISLAND,
<br /> Nebraska 68801 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note.
<br /> The obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br /> Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack,
<br /> Attorney whose address is P.O. Box 790, Grand Island,Nebraska 68802 ("Trustee"). The beneficiary is Home
<br /> Federal Savings 8z Loan Association of Grand Island, which is organized and existing under the laws of the
<br /> United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br /> ("Lender"). ROBERT J BIALAS and ANNA M BIALAS owe Lender the principal sum of Fifty Thousand
<br /> One Hundred Seven and 00/100 Dollars (U.S. $50,107.00), which is evidenced by the note, consumer loan
<br /> agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which provides for
<br /> periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on August 13,
<br /> 2018. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br /> interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br /> interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br /> Protection of Lender's Rights in the Property; and(c)the performance of Borrower's covenants and agreements
<br /> under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust
<br /> herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br /> property located in the COUNTY of HALL,state of Nebraska:
<br /> Address:2621 ST PAUL RD,GRAND ISLAND,Nebraska 68801
<br /> Legal Description: LOT SEVEN (7) AND THE SOUTH ONE HALF(S1/2) OF LOT EIGHT (8), OF
<br /> FAIRACRES SUBDIVISION LOCATED ON PART OF THE SOUTHWEST QUARTER (SW1/4)
<br /> OF SECTION THREE (3), IN TOWNSHIP ELEVEN (11) NORTH, RANGE NINE (9) WEST OF
<br /> THE 6TH P.M.,IN HALL COUNTY,NEBRASKA
<br /> TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br /> appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br /> covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br /> "Property."
<br /> BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br /> grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br /> Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br /> any encumbrances of record.
<br /> Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Instrument is
<br /> subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br /> prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br /> Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br /> this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br /> requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br /> Borrower and Lender covenant and agree as follows:
<br /> Payment of Principal and Interest;Prepayment and Late Charges. Borrower shall promptly pay when due the
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br /> Note.
<br /> Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br /> applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br /> the effect of law)as well as all applicable final,non-appealable judicial opinions.
<br /> Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br /> Lender on the day periodic payments are due under the Note,until the Note is paid in full,a sum("Funds")for: (a)
<br /> yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br /> yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br /> premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
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