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<br />THIS INSTRUMENT PREPARED BY: � AFTER RECORDING RETURN TO: �
<br />Home Federal Savings & Loan Association of Home Federal Savings & Loan Association of ,3 (�� ��
<br />Grand Island Grand Island
<br />221 South Locust Street 221 South Locust Street
<br />GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />��i�iD �� ��U►S�
<br />THIS DEED OF TRUST ("Security Insirument") is made on December 8, 2011. The grantors aze TIM D
<br />HARGENS and JOYCE R HARGENS, HUSBAND AND WIFE, whose address is 2916 W lOTH ST,
<br />GRAND ISLAND, Nebraska 68803-3402 ("Bonower"). Bonower is not necessarily the same as the Person or
<br />Persons who sign the Note. The obligations of Borrowers who did not sign the Note aze explained further in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br />trustee is Arend R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee").
<br />The beneficiary is Home Federal Savings & Loan Association of Grand Island, wluch is organized and existing
<br />under the laws of the United 5tates of America and whose address is 221 South Locust Street, Grand Island,
<br />Nebraska 68801 ("Lender"). TIM D HARGENS and JOYCE R HARGENS owe I.ender the principal sum of
<br />Forty-four Thousand Eighty-five and 00/100 Dollars (U.S. $44,085.00), wluch is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this Security InsUument (the "Note"), which
<br />provides for periodic payments ("Periodic Payments"), with the full debt, if not paid eazlier, due and payable on
<br />June 25, 2016. 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 tifled
<br />Protection of Lender's Rights in the Property; and (c) the perFormance of Borrower's covenants and agreements
<br />under this Security Inshvment 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: 2916 W lOTH ST, GRAND ISLAND, Nebraska 68803-3402
<br />Legal Description: LOT SIX (6), BLOCK FOUR (4), IN COLONIAL ESTATES 2ND SUBDIVISION
<br />TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and a11 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 a11 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 acl�owledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 22632 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as othervvise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />tUis Security Instrument will secure additional debt subject to 12 CFR 22632 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. Bonower 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 I,aw" 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 />O 2004-20ll Complimce Sys[ema, Iac. ADCD-BF71 - 2010L1.15.461
<br />Coosumer Real Eatate - Security Ivstrument DL2036 Page I of 6 www.wmplimcesystema.com
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