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<br />St. Paul, MN 55117
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<br />DEED OF TRUST
<br />
<br />FHA CASE NO.
<br />3212602566703
<br />
<br />MIN: 100280300000149727
<br />
<br />THIS DEED OF TRUST (" Security Instrument") is made on JANUARY 27, 2009
<br />The trustor is JAMES E. PEDERSON AND KIMBERLY J. PEDERSON, HUSBAND AND
<br />WIFE
<br />
<br />("Borrower").
<br />
<br />The trustee is RAINBOW SETTLEMENT SOLUTION LLC
<br />
<br />(" Trustee").
<br />The beneficiary is Mortgage Electronic Registration Systems, Inc. ("MERS") (solely as nominee for Lender, as
<br />hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of
<br />Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />PREMIUM CAPITAL FUNDING, LLC D/B/A TOPDOT MORTGAGE, A NEW YORK
<br />LIMITED LIABILITY COMPANY ("Lender")
<br />is organized and existing under the laws of NEW YORK
<br />and has an address of 125 JERICHO TURNPIKE, SUITE 500, JERICHO, NEW YORK
<br />11753
<br />Borrower owes Lender the principal sum of ONE HUNDRED THIRTY -THREE THOUSAND TWO
<br />HUNDRED SEVENTY-SEVEN AND 00/100 Dollars (U.S. $ 133,277.00 ).
<br />This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides
<br />for monthly payments, with the full debt, if not paid earlier, due and payable on FEBRUARY 1, 2039
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced
<br />under paragraph 7 to protect the security ofthis Security Instrument; and (c) the performance of Borrower' s covenants
<br />and agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale,
<br />the following described property located in HALL County, Nebraska:
<br />SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS
<br />EXHIBIT "A".
<br />
<br />which has the address of
<br />
<br />809 EAST PHOENIX AVENUE
<br />[Street]
<br />
<br />GRAND ISLAND
<br />[City]
<br />
<br />, Nebraska
<br />
<br />68801
<br />[Zip Code]
<br />
<br />(" Property Address"):
<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 "Property. II
<br />Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security
<br />Instrument; 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 to foreclose
<br />
<br />Borrower Initials: -.J~ ~
<br />FHA NEBRASKA DEED OF TRUST - M S
<br />NEDOTZ.FHA 11/01/08
<br />
<br />Page 1 of 7
<br />
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