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<br />T'HIS INSTRiJMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of �� 3�
<br />Grand Island '
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on February 10, ZO1Z. The grantors are ISAAC J
<br />BERG, a/k/a ISAAC JOSEPH BERG, and SHARI D BERG, a/k/a SHARI DIANE BERG, HUSBAND
<br />AND WITE, whose address is 1508 INDEPENDENCE AVE, GRAND ISLAND, Nebraska 68803 ("Bonower").
<br />Bonower is not necessarily the same as the Person or Persons who sign the Note. The obligations of Bonowers
<br />who did not sign the Note are explained fiuther in the section titled Successors and Assigns Bound; Joint and
<br />Several Liability; Accommodation Signers. The trustee is Arend R Baack, Attorney whose address is P.O.
<br />Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan
<br />Association of Grand Island, which is organized and existing under the laws of the United States of America and
<br />whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). ISAAC J BERG and
<br />SHARI D BERG owe Lender the principal sum of Three Hundred Seven Thousand Two Hundred Thirty-
<br />seven and 50/100 Dollars (U.S. $307,237.50), which is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid eazlier, due and payable on November 10, 2012. This
<br />Security Instrument secures to I.ender. (a) the repayment of the debt evidenced by the Note, with interest, and all
<br />renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to
<br />protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's
<br />Rights in the Property; and (c) the performance of Bonower's covenants and agreements under this Security
<br />Instrument and the Note. For tlus purpose, Borrower, in consideration of the debt and the trust herein created,
<br />irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described properly located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 1508 INDEPENDENCE AVE, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT ONE (1), AMERICAN INDEPENDENCE THIRD SUBDIVISION, IN THE
<br />CITY OF 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 addidons 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 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 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 tlus Security Instrument is
<br />subject to the provisions of 12 CFR 22632. Borrower acl�owledges 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 aclaiowledge 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 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.
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<br />Applicable Law. As used in this Security Instrvment, 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 />� zooa-zo> > co�u�ce s�c�, Inc. ADCD-B656 - 2010L1.15.461
<br />Consumer Real Estate - Securily Ivstrument DL2036 Pege 1 of 6 www.complisncesystems.com
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