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<br />(Space Above This Line For Recording C)ata)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on April 16, 2010. The grantors are EDMUND G
<br />WILSON and LORI L WILSON, HUSBAND AND WIFE, whose address is 839 ELMWOOD AVE, Lincoln,
<br />Nebraska 68510 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note.
<br />The 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. The trustee is Arend R. Baack,
<br />Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Ilome
<br />Federal Savings & Loan Assoc"ration of Grand Island, which is organized and existing under tl~e laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska b8801.
<br />("Lender"). EDMUND G WILSON and LORI L WILSON owe Lender the principal sum of One Hundred
<br />Eighty-nine Thousand Ninety-seven And 50/l U0 Dollars (U.S. $189,097.50), which is evidenced by the note,
<br />consumer loan agreement, or similar writing dated tl~e same date as this Security Instrument (the "Note"), which
<br />provides for monthly payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable an
<br />April 16, 2011. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced. by the Note,
<br />with 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: 233 LAKESTDE, GRAND ISLAND, Nebraska 68801
<br />Legal Description: LOT TWELVE (1.2) IN HIDDEN LAKES SUBDIVISION NUMBER TWO,
<br />BEING A PART Ofi THE SOUTIEAST QUARTER OF THE NORTIIEAST QUARTER (SF1./4
<br />NE1/4) AND A PART OF THE NORTH HALF OF THE NORTHF,AS'T QUARTER OF THE
<br />SOUTHEAST QUART"ER (N1/2 NE1/4 SEl/4), Op' SECTION THIRTEEN (13), 'TOWNSHIP
<br />ELEVEN (11) NORTH, RANGE NINE (9), WEST OF TIIE 6TH P.M., HALT. 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 />$orrower 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, $orrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Nate is paid. in full, a sum ("Funds") ti3r: (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 $orrower to bender, 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 1974 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 />4'i 2004-2009 Compliance Systcmc, Inc. OOZD-26A8 - 2009.12.368
<br />Consumer Real Fs[nte -Security Instrument DL2036 Page I of (i www.camplianccsystcros.cnm
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