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<br />When Recorded Mail To:
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<br />6060 J.A. Jones Drive, Suite 1000
<br />Charlotte, North Carolina 28287
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<br />DEED OF TRUST Loan Number 2280040982510
<br />MIN: 100077910002772792
<br />THIS DEED OF TRUST is made this 7TH day of OCTOBER, 2004, among the Trustor, DAVID P.
<br />KIRBY, AND MORGAN KIRBY, HUSBAND AND WIFE (herein "Borrower "), TICOR TITLE
<br />INSURANCE COMPANY (herein "Trustee "), and the Beneficiary, Mortgage Electronic Registration
<br />Systems, Inc. (herein "MERS "). MERS is a separate corporation that is acting solely as a nominee for Lender
<br />and Lender's successors and assigns. MERS is organized and existing under the laws of Delaware, and has an
<br />address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. The Lender is
<br />Decision One Mortgage Company, LLC, a corporation organized and existing under the laws of NORTH
<br />CAROLINA, whose address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOTTE, NORTH
<br />CAROLINA 28287 (herein "Lender ").
<br />The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's
<br />successors and assigns) and the successors and assigns of MERS. Borrower, in consideration of the
<br />indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in
<br />trust, with power of sale, the following described property located in the County of HALL, State of
<br />Nebraska:
<br />SEE ATTACHED SCHEDULE "A"
<br />which has the address of 406 EAST DELAWARE AVENUE, GRAND ISLAND,
<br />[street. City] ,
<br />Nebraska 68801 [Zip Code] (herein "Property Address ");
<br />TOGETHER with all the improvements now or hereafter erected on the property, and all easements,
<br />rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to
<br />collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered
<br />by this Deed of Trust; and all of the foregoing, together with said property (or the leasehold estate if this
<br />Deed of Trust is on a leasehold) are hereinafter referred to as the "Property"; Borrower understands and
<br />agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument,
<br />but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors
<br />and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right
<br />to foreclose and sell the Property; and to take any action required of Lender including, but not limited to,
<br />releasing and canceling this Security Instrument.
<br />To SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated
<br />OCTOBER 7, 2004 and extensions and renewals thereof (herein "Note "), in the principal sum of
<br />U.S.$19,900.00, with interest thereon, providing for monthly installments of principal and interest, with
<br />the balance of the indebtedness, if not sooner paid, due and payable on OCTOBER 7, 2019; the payment
<br />of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this
<br />Deed of Trust; and the performance of the covenants and agreements of Borrower herein contained.
<br />NEBRASKA- SECOND MORTGAGE- 1 /80- FNMA/FHLMC MODIFIED INSTRUME Form 3828 (page I of 7pages)
<br />111111 11111 11111 11111 11111 11111 11111 11111 11111 1111111111 I I I 1 1 11111 11111 11111 11111 1111 IN
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