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r �m 0 MW n 1 C•' -Z "o I M T -T O DEED OF TRUST m r7" W rn 0 O n (n -�. C D C z M o 00 ...V 3 rV ry q -*1 r y. GO n to EA CD ry 0 0 0 Co O rT cr. C10 t� �a CD Z O �� OQ THIS DEED OF TRUST is made this 24th day of July 2001 , among the Trustor, DANIEL R. GARNER AND AMY M. GARNER , HUSBAND AND WIFE (herein "Borrower ") GARY_ W. WRIGHT, A LICENSED REAL ESTATE BROKER (herein "Trustee "), and the Beneficiary, MORTGAGE LOANS OF AMERICA, LLC a corporation organized and existing under the laws of whose address is 2407 SOUTH 133RD PLAZA OMAHA, NE 68144 (herein "Lender "). Borrower, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of HALL State of Nebraska: LOTS 1 AND 2, IN ROWE SUBDIVISION, HALL COUNTY, NEBRASKA. which has the address of 2620 ENGLEMAN RD GRAND ISLAND [street) [City) Nebraska 68801 (herein "Property Address "); [Zip Code] TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such 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 foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter referred to as the "Property'; TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated July 24th 2001 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $12,000.90 , with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on August 5, 2021 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed:of Trust; and the performance of the covenants and agreements of Borrower herein contained. 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 covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein "Funds ") equal to one - twelfth of the yearly taxes and assessments (including condominium and planned unit development assessments, if any) which may attain 7priority over this Deed of Trust, and ground rents on the Property, if any, plus one - twelfth of yearly premium installments for hazard insurance, plus one-twelfth of yearly premium installments for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. NEBRASKA - second Mortgage - 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT Form 3828 F5720.1-MG (9/99) Page 1 of 4 9 ,