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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on December 20, 2010. The �rantors are RICHARD
<br />K MACIEJEWSKI, a/k/a RICHARD MACIEJEWSKI, and LAURIE A MACIEJEWSKI, a/k/a LAURIE
<br />MACIEJEWSKI, HUSBAND AND WIFE, whose address is 307 N 4TH ST, Doniphan, Nebraska b8$32-9587
<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. Baack, Attorney whose address
<br />is P.O. Box 790, Grand Island, Nebraska b8802 ("Trustee"). The beneftciary is Home Federal Savings &
<br />Laan Assaciation 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"). RICHARD
<br />K MACIEJEWSKI and LAURIE A MACIEJEWSKI owe I.ender the principal sum of Five Thousand Nine
<br />Hundred Thirty-�ve and 89/100 Dollars (U.S. $5,935.89), 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 />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on December
<br />20, 2015. This Security Instnunent secures to Lendcr: (a) the repayment of the debt evidenccd by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all ather sums, with
<br />interest, advanced to protect the security of this Security Instrwnent under the provisions o£ 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 Instnunent 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: 307 N 4TH ST, Doniphan, Nebraska 68832-958"1
<br />Legal Description: LOT ONE (1), BISON MEADOWS, AN ADDITION TO THE VILLAGE OF
<br />DONIPHAN, HALL COUNTY, NESRASKA.
<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 />"Froperty."
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and canvey the Properiy and that the Properiy is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Property against all clairns 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 Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender fizrther acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CPR 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 cavenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Boxrower 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 undcr 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 apinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borarower 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") far: (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 rnortgage insurance prerniums, if any �a �fl
<br />any sums payable by $orrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
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<br />� 2004-2009 Compliance Systeros, Ine. 002D-561 D- 2009.12.368
<br />C.onsumer Real Estace - Security Inatrument pI.20]6 Page 1 of6 www.uomplianeesystems.com
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