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<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on February 4, 2010. The grantors are ANDREW L
<br />LESIAK, a/k/a ANDREW LESIAK, whose address is 4012 REGAL DR, GRAND ISLAND, Nebraska 68803-
<br />6407 ,and KENDRA LESIAK, whose address is ,GRAND ISLAND, Nebraska ("Borrower"). Borrower is
<br />not necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not
<br />sign the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several
<br />Liability; Accommodation Signers. The trustee is Arend R. Baaek, Attorney whose address is P.O. Box 790,
<br />Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of
<br />Grand Island, which is organized and existing under the laws of the United States of America and whose address
<br />is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). ANDREW L LESIAK owes Lender the
<br />principal sum of Fourteen Thousand Seventy-nine and SO/100 Dollars (U.S. $14,079.50), which is evidenced by
<br />the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"),
<br />which provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and
<br />payable on February 15, 2015. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of this Security Instrument under the provisions of
<br />the section titled Protection of Lender's Rights in the Property; and (c) the performance of Borrower's
<br />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: 4012 REGAL DR, GRAND ISLAND, Nebraska 68803-6407
<br />Legal Description: LOT SIXTEEN (16), IN CASTLE ESTATES SUBDIVISION, HALL COUNTY,
<br />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 />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,"
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<br />a~ 200A-2009 Compliance Systems, Inc. 002D~353 - 2009.12.366
<br />Consumer Real Estate -Security Instrument DL2036 Page 1 of b www.comptiancesystems.com
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