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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
<br />Grand Island Grand Island
<br />221 South Locust Street 221 South Locust Street
<br />GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801
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<br />(Space Above T1us Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on December 16, 2011. The grantors are JEFF A
<br />HUBL, a/k/a JEFF HUBL, and MARY BETH HUBL, HUSBAND AND WIFE, whose address is 4320
<br />MANCHESTER RD, GRAND ISLAND, Nebraska 68803 ("Bonower"). Borrower is not necessarily the same as
<br />the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note aze explained
<br />fiuther in the section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br />Signers. The trustee is Arend R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is
<br />organized and eacisting under the laws of the United States of America and whose address is 221 South Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). JEFF A HUBL and MARY BETH HUBL owe Lender the
<br />principal sum of Nine Thousand Siz Hundred Thirty-seven and 88/100 Dollars (U.S. $9,637.88), which is
<br />evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument
<br />(the "Note"), which provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier,
<br />due and payable on December 20, 2020. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewaLs, extensions and modifications of the Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of this Security Instrvment under the provisions of
<br />the section titled Protection of Lender's Rights in the Property; and (c) the performance of Borrower's
<br />covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COiJNTI' of HALL, State of Nebraska:
<br />Address: 4320 MANCHESTER RD, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT EIGHT (8), BISHOP HEIGHTS THIRD SUBDIVISION, 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 refened 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 />Borrower warrants and will defend generally the t�ltle to the Property against all 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. Bonower 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 further acknowledge and agree that
<br />this 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 22632 and Applicable Law.
<br />Bonower 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 Iaw" 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 />m 2004-2011 Complience Syatems, lnc. ADCD-08AD - 2010L1.15.461
<br />Consuma Real Eetete - Security Inskument DL2036 Page 1 of 6 www.compliancesyatems.com
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