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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 s�
<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 T'his Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on March 23, 2012. The grantors are ALLEN A
<br />MCDOWELL and HEATHER L JOURNEY-MCDOWELL, HUSBAND AND WIFE, whose address is 827
<br />S CHERRY ST, GRAND ISLAND, Nebraska 68801-8131 ("Bonower"). Bonower 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 are explained
<br />fiurther in the section titled Successors and Asaigns 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 existing under the laws of the United States of America and whose address is 221 5outh Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). ALLEN A MCDOWELL and HEATHER L JOURNEY-
<br />MCDOWELL owe Lender the principal sum of Four Thousand Five Hundred Seventy-nine and 50/100
<br />Dollars (U.S. $4,579.50), which is evidenced by the note, consumer loan agreement, or similaz writing da.ted the
<br />same date as this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"),
<br />with the full debt, if not paid earlier, due and payable on October 18, 2016. This Security Instrument secures to
<br />Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this
<br />Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and
<br />(c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower, in consideration of the debt and the t�vst herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the COiJNTY of HALL, State of
<br />Nebraska:
<br />Address: 827 S CHERRY ST, GRAND ISLAND, Nebraska 68801-8131
<br />Legal Description: LOT EIGHT (8), BLOCK THREE (3), VALLEY VI�W SUBDIVISION IN THE
<br />CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />TOGETHER WITH all the improvements now or hereafter erected on the properly, 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 COVENANfS 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 />Bonower warrants and will defend generally the title to the Properiy 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 prompfly 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 Instcvment, 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 />Funds for Tages and Insurance. At Lender's request and subject to Applicable L,aw, Bonower 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 lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (fj
<br />any sums payable by Bonower to Lender, in accordance with the provisions of the paragraph tifled Mortgage
<br />� 2004-201 t Complianca Syatems, Inc. ADCD-BOAE - 2010L1.15.461
<br />Conaumer Real Esteta - Security Iffitrument DL2036 Paga I of 6 wwav.compliancesYstema.com
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