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<br />(Space Above Tbis Line FOT Recording Data)
<br />
<br />LOAN NUMBER: 0160270394
<br />
<br />DEED OF TRUST
<br />
<br />THIS DEED OF TRUST ("Security Instrument") is made on September 7, 2007. The grantor is JOEL B
<br />HULINSKY, whose address is 1116 S Cherry, Grand Island, Nebraska 68801 ; and DEBORAH K
<br />HULINSKY, HUSBAND AND WIFE, whose address is 1116 S Cherry, Grand Island, Nebraska 68801
<br />("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are eXplained further in the section titled Successors and Assigns Bound;
<br />Joint and Several Liability; Accommodation Signers. The trustee is TierOne Bank whose address is 1235
<br />'N' St / P.O. Box 83009, Lincoln, Nebraska 68501 . ("Trustee"). The beneficiary is TierOne Bank, which is
<br />organized and existing under the laws of the United States of America and whose address is 1235 'N' St / PO
<br />Box 83009, Lincoln, Nebraska 68501 ("Lender"). JOEL B HULINSKY and DEBORAH K HULINSKY owe
<br />Lender the principal sum of Forty-nine Thousand Six Hundred Sixteen and 00/100 Dollars (US. $49,616.00),
<br />which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security
<br />Instrument (the "Note"), which provides for monthly payments ("Periodic Payments"), with the full dcbt, if not
<br />paid earlier, due and payable on March 5, 2008. This Security Instrument secures to Lender: (a) the repayment of
<br />the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the
<br />payment of all other sums, with interest, advanced to protect the security of this Security Instrument under the
<br />provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance of
<br />Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COUNTY of HALL, State of Nebraska:
<br />
<br />Address: Lots 22A and 22B, Blk 1 Ponderosa Lake Estates, Grand Island, Nebraska 68803
<br />Legal Description: Lots 22A and 22B, Block 1, Ponderosa LaKe Estates Subdivision to the city of
<br />Grand Island, Hall County, Nebraska.
<br />
<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 />
<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 />
<br />Borrower and Lender covenant and agree as follows:
<br />
<br />iG 2004-2007 Copyrigbt Compliance Sl"'tems. Inc. 8C9C.D74A. 2007.01.20l
<br />Consumer Real Estate - Security lnstrument DL2036
<br />
<br />Page lof8
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<br />www.compJianccsystcms.com
<br />800--968-8522 - Fax 616-956-1868
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