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<br />LOAN NUMBER: 0160292374
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on May 18, 2009. "fhe grantor is LARRY J SMITH
<br />and ELIZABETH A SMITH, HUSBAND AND 'WIFE, whose address is 4229 NORSEMAN AVE, Grand
<br />Island, Ncbraska 6$803-2211 ('Borrower"). Borrower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is
<br />TierOne Sank whose address is 1235 'N' St / P.O. Box 83009, Lincoln, Nebraska 68501 ("Trustcc"). The
<br />beneficiary is TierOne Bank, which is organized and existing under the laws of the United States of America and
<br />whose address is 1235 'N' St / PO Box 83009, Lincoln, Nebraska 68501 ("Lender"). LARRY J SMI'I'II and
<br />L+'LIZABETH A SMITH owe Lender the principal sum of Twenty Thousand and 00/100 Dollars (U.S.
<br />$20,000.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as
<br />this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with the full
<br />debt, if not paid earlier, due and payable on June 1, 2019. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications ofthc
<br />Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustcc, in trust, with
<br />power of sale, the following described property located in the COUNTY of HALL, state of Ncbraska:
<br />Address: 4229 NORSEMAN AVE, Grand Island, Nebraska 68803-2211
<br />Legal Description: LOT 29, LE IIEIGHTS FOURTH SUBDIVISION, GRAND ISLAND, HALL
<br />COUNTY, NEBRASKA
<br />Parcel ID/Sidwell Number: 400188286
<br />TOGETIIF,R 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 COVENAN"fS 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 />Borrvwer and lender covenant and agree as follows:
<br />~['~ 2004-2UUN Copyright Compliance Systunu, loc. 74GD-D672 - 20oH.1(1.2R9
<br />Consumer kcal Eytarc - Security Insrnwunt 1]L2U3G Paso 1 of k
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