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<br />(space Above This Line For Recording Data)
<br />LOAN NUMBER: 0100601278
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on June 3, 2009. The grantor is RANDY J SKARKA,
<br />TRUSTEE OF THE RANDALL JAMES SKARKA REVOCABLE TRUST, and BRENDA SUE JANICEK-
<br />SKARKA, TRUSTEE OF THE BRENDA SUE JANICEK-SKARKA REVOCABLE TRUST, whose address
<br />is 3008 ORLEANS DR, Grand Island, Nebraska 68803-3421 ("Borrower"). Borrower is not necessarily the same
<br />as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained
<br />further in the section titled Successors and Assigns Bound; Joint and Several LIability; Accommodation
<br />Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 79p, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is
<br />organized and existing under the laws of the United States of America and whose address is 221 South Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). RANDY J SKARKA and BRENDA SUE JANICEK-
<br />SKARKA owe Lender the principal sum of Forty-five Thousand Seventy-nine and 50/100 Dollars (U.S.
<br />$45,079.50), 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 February 1, 2014. 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 of the
<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 Nate. For this purpose, Borrower,
<br />in 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: 3008 ORLEANS DR, Grand Island, Nebraska 68803-3421
<br />Legal Description: LOT SIX (6) COLONIAL ESTATES, THIRD SUBDIVISION IN THE CITY OF
<br />GRAND ISLAND, 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 Froperty 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 />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<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 fmal, 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 />®2004.2008 Copyright Compliance Systems, Inc. 74ED-ODE8 - 2008.10.289 www.campliancesystems.eom
<br />Consumtt Rcal Estatc -Security Instrument DL20]li Page I of 6 800-968.8522 -Fax 616-956-1868
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