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<br />THIS INSTRUMENT PREPARED BY: ,e Jl � 1�
<br />Home Federal Savings & Loan AssociaHon 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 Federal5avings & Loan Association of
<br />Grand Island
<br />221 South Locust 5treet
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on March 9, 2012. The grantors are JAMES D
<br />BALLARD and CHARLOTTE K BALLARD, HUSBAND AND WIFE, whose address is 2314 W. 11TH
<br />STREET, GRAND ISLAND, Nebraska 68803 ("Borrower"). Borrower is not necessarily the same as the Person
<br />or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; AccotnmodaHon Signers. The
<br />trustee is Arend R. Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska 68802 ("Trustee").
<br />The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is organized and existing
<br />under the laws of the United States of America and whose address is 221 South Locust 5treet, Grand Island,
<br />Nebraska 68801 ("Lender"). JEFFREY ROSCOE and TANYA L ROSCOE owe Lender the principal sum of
<br />Twenty Thousand Forty-four and 50/100 Dollars (U.S. $20,044.50), wluch is evidenced by the note, consumer
<br />loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), wluch provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid eazlier, due and payable on March 23,
<br />2016. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other swns, with
<br />interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenattts and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower, 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: 2314 W. 11TH STREET, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT THIRTEEN (13), IN BLOCK THREE (3), IN DILL AND HUSTON'S
<br />ADDITION TO GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtena.nces, 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 Securlty Instrument as the
<br />"Property."
<br />BORROWER COVEATANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and tliat 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. 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 5ecurity Instrument, the term "Applicable Law" sh�tll mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rulas 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 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 Insirument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yeazly hazatd or 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 Bonower 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 />m 2004-2011 Compliance Systema, Ino. ApCD-DOB2 - 2010L1.15.461
<br />Consumer Real Eatate - Security InsUUwe¢t DL2036 Page 1 of 6 www.compliaacesyatems.com
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