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<br />THIS INSTRUMENT 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 Associal3on of
<br />Grand Island �
<br />2215outh Locust Street ,�
<br />GRAND ISLAND, NE 68801 � Q "
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on March 2, 2012. The grantor is PHYLLIS A
<br />NURNBERG, A SINGLE PERSON, whose address is 2104 N SYCAMORE, GRAND ISLAND, Nebraska
<br />68801 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Bonowers who did not sign the Note are explained further in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R Baack,
<br />Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal 5avings & Loan Association of Grand Island, which is organized and existing uuder the laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Islaud, Nebraska 68801
<br />("Lender"). PAYLLIS A NURNBERG owes Lender the principal sum of Four Thousand Seven Hundred
<br />Ninety-three and 50/100 Dollars (U.S. $4,793.50), 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 earlier, due and payable on March 1, 2014. This Security
<br />Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other swns, with interest, advanced to protect the
<br />security of tlus Securily Instrument under the provisions of the section titled Protection oY Lender's Rights in the
<br />Property; and (c) the performance of Borrower's covenants and ageements under thia Securlty Instrument and the
<br />Note. For this purpose, Bonower, in considerarion of the debt and the trust herein created, uxevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described properiy located iu the County of Hall,
<br />State of Nebraska:
<br />Address: 2104 N SYCAMORE, GRAND ISLAND, Nebraska 68801
<br />Legal Descriprion: LOT ONE (1), BLOCK TWO (2), KNICKREHM'S ADDITION TO THE CITY
<br />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 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 Borrower is lawfully seised of the estate hereby couvey�d 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 aild 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. Borrower shall promptly pay whett due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late cbarges due under 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 weU as all applicable final, non-appealable judicial opinions.
<br />Funds for Tages and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ("Funds") 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 payments or ground rents on the Property, if any; (c) yearly hazard oX property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<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 />O 2004-2011 Compliance Syatems, Iqc. AACD-CE53 - 2010L1.15.461
<br />Coagumer Real Estate • Security Ina4umeut DL2036 Pege 1 of 6 www.compliancesyeteme.com
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