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<br />LOAN NUMBER: 0100610390
<br />.DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 14, 2009. The grantor is DAVID E ZIOLA,
<br />husband and wife, and LYNN R ZIOLA, whose address is 1925 W 11TH AVE, GRAND ISLAND, Nebraska
<br />68803-3708 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. Tlae trustee is Arend R. Baack,
<br />Attorney whose address is P.O. Box 790, Graud Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). DAVID E ZIOLA and LYNN R ZIOLA owe Lender the principal sum of Seven Thousand Seven
<br />Hundred Nineteen and 92/100 Dollars (U.S. $7,719.92), which is evidenced by the note, consumer loan
<br />agreement, or similar writing, dated the same date as this Security Instrument (the "Note"), which provides for
<br />monthly payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on October 28,
<br />2014. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br />interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br />property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 1925 W 11TH AVE, GRAND ISLAND, Nebraska 68803-3708
<br />Legal Description: LOT SEVEN (7), BLOCK EIGHT (8), IN BOGGS AND HILL'5 ADDITION TO
<br />THE CITY OF 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 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 />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 Nate 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 />Nate.
<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 />®2004.2009 CvmpGnncc Systems, lne. I I3D2-H~.AC - 2009.07355
<br />Consumer Rcal Estale -Security Instrument DL2036 Page 1 oF6 www.rnmpli~uicesystems.cvm
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