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200300672 (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" corn if the Loan does not qualify as a "federally related mortgage loan' under RESPA. (Q} "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agrecmrrnrs under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the COON FY REGISTER OF DEEDS Of Hall County [Type of Recording Jurediclion] Marne of Recording Juisdiclion] LOT TEN (10), IN BLOCK TWO (2), IN NIEVES FIRST ADDITION, CIL Y OF GRAND ISLAND, HALL COUNTY,NEBRASKA. "THIS DEED OF TRUST SECURES AN OPEN END REVOLVING LINE OF CREDIT. SEE ATTACHED HOME EQUITY ACCESS LIVE OF CREDIT RIDER." Parcel ID Number: 400062356 which currently has the address of 615 EAST MEMORIAL DRIVE [Street] GRAND ISLAND [City], NE [State] 68801 [Zip Code] ( "Property Address"); 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 replacemenLv and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the �,prnpertl' 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 covrnants with limited vanations by jurisdiction to constitute a uniform security instrument covering real property. Initials: 4W(NE) i000sJ Page 3 of IS Form 3028 1 /01