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<br />1)EED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on May 25, 2011. The grantors are DAVID L OMAN
<br />and MAUREEN E OMAN, HUSBAND AND WII�'E, whose address is 4105 HARTFORD STREET,
<br />GRAND ISLAND, Nebraska 68803 ("Borrower"). Borrower is not necessarily the same as the Person or Persons
<br />who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section
<br />titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is
<br />Arend R. Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska 68802 ("Trustee"). The
<br />beneficiary is Home Federal Savings & Loan Association of Grand Island, which is organized and elcisting
<br />under the laws of the United States of America and whose address is 221 South Locust Street, Grand Island,
<br />Nebraska. 68801 ("Lender"). DAVID L OMAN and MAUREEN E OMAN owe Lender the principal sum of
<br />Eighteen Thousand One Hundred Four and 27/100 Dollars (LT.S. $18,104.27), which is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which
<br />provides for monthly payments ("Periodic Payments"), with the fu11 debt, if not paid earlier, due and payable on
<br />May 28, 2015. 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 provis�o�s 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 5ecurity Instrument and the Note. For this purpose, Bonower, 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: 4105 HARTFORD STREET, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT NINE (9) JEFFREY OAK5 SIXTH SUBDIVI5ION, IN THE CITY OF
<br />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 Bonower 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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrawer 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" sha�11 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 aze due under the Note, until the Note is paid in full, a sum ("Fuuds") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a 11en on the Property; (b)
<br />yearly leasehold payrnents 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 pramiums, if any; and (fj
<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."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum aznount a lender for a
<br />federally related mortgage loan ma,y 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, �,end�r may at any time,
<br />collect and hold Funds iq an amount not to exceed the lesser amount. Lender may estimate tbe amount of Funds
<br />due on the basis of current data a.nd reasonable estimates .of expenditures of fuhue Escrow Items or otherwise in
<br />accordance with Applicable Law.
<br />� 2004-2010 Compliance Systems, Inc. EEOB-3D52 - 2010.03378
<br />Cousumer Real Fstate - Security Iustrument AI.2036 Page 1 of 6 www.comP��Ygtems.com
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