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<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instniment") is made on October 1, 2010. The grantors are JAMES T
<br />TONER and SUSAN K TONER, HUSSAND AND WIFE, whose address is 3222 HTAWATHA PL, GRAND
<br />ISLAND, Nebraska 68803-6428 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled
<br />Successors aud Assigns Sound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Gr�nd Island, which is organized and existing under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). JAMES T TONER and SUSAN K TONER owe I,ender the principal sum of Twelve Thoasand
<br />Eighty-�ve and 00/100 Dallars (U.S. $12,085.00), which is evidenced by the nate, consumer loan agreement, or
<br />similar writing dated the same date as this 5ecurity Instxument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due and payable on October 20, 2013. This Security
<br />Instrutnent secures to Lender: (a) the repayment of the debt evidenced by the Nate, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other sums, with interest,'advanced to protect the
<br />security of this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the
<br />Property; and (c) the perforznance of Borrower's covenants and agreements under this Security Tnstrument and ths
<br />Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described praperty located in the CUUNTY of
<br />HALL, State of Nebraska:
<br />Address: 3222 HIAWATHA PL, GRAND ISLAND, Nebraska b8803-b428
<br />Legal Description: LOT THIRTY-FIVE (35), INDIANHEAD SUBDIVISION IN THE CITY OF
<br />GRAND ISLAND, HALL COUNTY, NEBRASKA,
<br />TOGETHER WITH all the irnprovements now or hereafter erected on the property, and all easaments,
<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 ta in this Sacurity Instruxnent 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 th� Prop�rty against all claims and demands, subject to
<br />any encunibrances ofrecord.
<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 a�d any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Sscurity Instniment, 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 periadic payments au'e 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 th� Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiutns, if any; (e) yearly mortgage insurance premiums, if any; and (fl
<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 Itett�s."
<br />Lender may, at any tune, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortga�e 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. ("R�SPA"),
<br />unless another Applicable Law that applies to the Funds sets a lesser amount. Tf so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the less�r amount. I,ender rnay estimate the amount of Funds
<br />due on the basis af current data and reasonable estimates of expenditures of future Escrow Items or otherwise in
<br />accordance with Applicable Law.
<br />� 20044009 Campliance Systems, Inc. 002b-8E06 - 20p9.12.368
<br />Consumcr Reel Estata - Security Instrumrnt DL2036 Page 1 of 6 www.complianeesystems.eom
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