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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: f
<br />Home Federal Savings & Loan Association of �.S o
<br />Grand Island .� �
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />NMLS COMPANY IDENTIFIER: 446443
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on April 13, 2012. The grantors are ROGER W
<br />LYDICK and GLADYS K LANGLEY, A/K/A G. KATHLEEN LANGLEY, HUSBAND AND WIFE,
<br />whose address is 1415 BRANDING IRON LN, GRAND ISLAND, Nebraska 68803 ("Borrower"). Bonower is
<br />not necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not
<br />sign the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several
<br />Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790,
<br />Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of
<br />Grand Island, which is organized and existing under the laws of the United States of America and whose address
<br />is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). ROGER W LYDICK and GLADYS K
<br />LANGLEY owe Lender the principal sum of One Hundred Forty-seven Thousand Seventy-nine and 50/100
<br />Dollars (U.S. $147,079.50), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date as this Security Instrument (the "Note"), which provides for Single payments ("Periodic Payments"),
<br />with the full debt, if not paid earlier, due on October 10, 2012. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Note; (b) the payrnent of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Bonower,
<br />in 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 COUNTY of HALL, State of Nebraska:
<br />Address: 1415 BRANDING IRON LN, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT FOUR (4), WESTERN HEIGHTS FOURTH SUBDIVISION IN THE CITY
<br />OF GRAND ISLANII, 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 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 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. Borrower 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 CPR 226.32 only if T,ender 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. 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 />� 2004-201 I Complience Syetems, Inc. 9BAD-9D97 - 2011 L2.0.485
<br />Consumer Real Estate - Security Iestrumeet DL.2036 Pege 1 of 6 www.complienccsystems.com
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