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(Space Above This Line For Recording Data)
<br />LOAN NUMBER: 0100609740
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on May 16, 2009. The grantor is MELISSA M
<br />WOITALEWICZ, TRUSTEE OF THE MELISSA M. WOITALEWICZ REVOCABLE TRUST DATED
<br />MAY 4, 2004, whose address is 109 W 11TH, Wood River, Nebraska 68883 ( "Borrower "). Borrower is not
<br />necessarily the same as the Person or Persons who sign. the Note. The obligations of Borrowers who did not sign
<br />the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ( "Lender "). MELISSA M WOTTALEWICZ owes Lender
<br />the principal sum of Twelve Thousand Five Hundred Seventy -nine and 501100 Dollars (U.S. $12,579.50),
<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 periodic payments ( "Periodic Payments "), with the full debt, if not
<br />paid earlier, due and payable on May 27, 2014. 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 />Address: 1101 OAK STREET, Wood River, Nebraska 68883
<br />Legal Description: LOT SEVEN (7) AND THE WEST IIALF OF LOT EIGHT (8), BLOCK
<br />ELEVEN (11), IN BRETT AND JOHNSON'S ADDITION TO THE VILLAGE, NOW CITY, OF
<br />WOOD RIVER, HALL COUNTY, NEBRASKA.
<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 />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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ( "RESPA "),
<br />unless another Applicable Law that applies to the Funds sets a lesser amount. If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
<br />((1 2004 -2008 Copyright Compliance Systems. Inc, 7451-9501 - 2008.10.289 www.compGanccsyslews.crnn
<br />Consumer Real Estate - Security Instnimenl DL2036 Page I cf 6 800 -968 -8522 - Fax 616-956 -1969
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<br />LOAN NUMBER: 0100609740
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on May 16, 2009. The grantor is MELISSA M
<br />WOITALEWICZ, TRUSTEE OF THE MELISSA M. WOITALEWICZ REVOCABLE TRUST DATED
<br />MAY 4, 2004, whose address is 109 W 11TH, Wood River, Nebraska 68883 ( "Borrower "). Borrower is not
<br />necessarily the same as the Person or Persons who sign. the Note. The obligations of Borrowers who did not sign
<br />the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ( "Lender "). MELISSA M WOTTALEWICZ owes Lender
<br />the principal sum of Twelve Thousand Five Hundred Seventy -nine and 501100 Dollars (U.S. $12,579.50),
<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 periodic payments ( "Periodic Payments "), with the full debt, if not
<br />paid earlier, due and payable on May 27, 2014. 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 />Address: 1101 OAK STREET, Wood River, Nebraska 68883
<br />Legal Description: LOT SEVEN (7) AND THE WEST IIALF OF LOT EIGHT (8), BLOCK
<br />ELEVEN (11), IN BRETT AND JOHNSON'S ADDITION TO THE VILLAGE, NOW CITY, OF
<br />WOOD RIVER, HALL COUNTY, NEBRASKA.
<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 />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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ( "RESPA "),
<br />unless another Applicable Law that applies to the Funds sets a lesser amount. If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
<br />((1 2004 -2008 Copyright Compliance Systems. Inc, 7451-9501 - 2008.10.289 www.compGanccsyslews.crnn
<br />Consumer Real Estate - Security Instnimenl DL2036 Page I cf 6 800 -968 -8522 - Fax 616-956 -1969
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<br />(Space Above This Line For Recording Data)
<br />LOAN NUMBER: 0100609740
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on May 16, 2009. The grantor is MELISSA M
<br />WOITALEWICZ, TRUSTEE OF THE MELISSA M. WOITALEWICZ REVOCABLE TRUST DATED
<br />MAY 4, 2004, whose address is 109 W 11TH, Wood River, Nebraska 68883 ( "Borrower "). Borrower is not
<br />necessarily the same as the Person or Persons who sign. the Note. The obligations of Borrowers who did not sign
<br />the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ( "Lender "). MELISSA M WOTTALEWICZ owes Lender
<br />the principal sum of Twelve Thousand Five Hundred Seventy -nine and 501100 Dollars (U.S. $12,579.50),
<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 periodic payments ( "Periodic Payments "), with the full debt, if not
<br />paid earlier, due and payable on May 27, 2014. 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 />Address: 1101 OAK STREET, Wood River, Nebraska 68883
<br />Legal Description: LOT SEVEN (7) AND THE WEST IIALF OF LOT EIGHT (8), BLOCK
<br />ELEVEN (11), IN BRETT AND JOHNSON'S ADDITION TO THE VILLAGE, NOW CITY, OF
<br />WOOD RIVER, HALL COUNTY, NEBRASKA.
<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 />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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non - appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f)
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ( "RESPA "),
<br />unless another Applicable Law that applies to the Funds sets a lesser amount. If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
<br />((1 2004 -2008 Copyright Compliance Systems. Inc, 7451-9501 - 2008.10.289 www.compGanccsyslews.crnn
<br />Consumer Real Estate - Security Instnimenl DL2036 Page I cf 6 800 -968 -8522 - Fax 616-956 -1969
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