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<br />LOAN NUMBER: 0100611516
<br />(Space Above This Line For Recording Bata)
<br />DEED QF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on July 15, 2009. The grantor is BELVA J BERCK,
<br />A SINGLE PERSON, whose address is 423 WEST AVE, Grand Island, Nebraska 68803-4246 ;and
<br />RICHARD G ECKSTROM, A SINGLE PERSON, whose address is ,Grand Island, Nebraska
<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 Arend R. Baaek, Attorney whose address
<br />is P.O. Sox 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings &
<br />Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br />America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). BELVA J
<br />BERCK owes Lender the principal sum of Fifteen Thousand Two Hundred Thirty-six and 00/100 Dollars
<br />(U.S. $15,236.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the same
<br />date as this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with
<br />the full debt, if not paid earlier, due and payable on July 21, 2014. This Security Instrument secures to Lender: (a)
<br />the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of
<br />the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security
<br />Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the COUNTY of HALL, state of
<br />Nebraska:
<br />Address: 423 WEST AVE, Grand Island, Nebraska 68803-4246
<br />Legal Description: LOT ONE (1), WEST HEIGHTS, AN ADDITION TO THE CITY OF GRAND
<br />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 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 197~F 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 />a~ 2004-2008 Copyright Compliance 5ystuns, Inc. 74ED-SBDF - 2008.10.289 anvw.cvmpliancesystems.cnm
<br />Consumer Real Estate -Security Instrument DL2036 Page 1 of6 800-968-8522 -Fax 616-956-1868
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