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� <br />�� <br />� <br />�� <br />N � <br />a - <br />�� <br />� �� <br />N �� <br />w � <br />� �� <br />� � <br />� <br />� <br />� <br />�� <br />r ._, <br />C� <br />ti� <br />S �V <br />D <br />r � <br />� nn r p • <br />� � � ;-- � <br />C °�' � •° °� rv <br />� � �� �� � <br />� � - �1 � <br />�� f � � <br />_i� <br />� � �' N <br />� �, <br />rn � <br />° ��._ rv <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 <br />n � <br />� -i <br />C D <br />z —� <br />- � rn <br />�o <br />o� <br />� Z <br />= rn <br />D W <br />r � <br />r r. <br />� <br />� <br />b . <br />vv <br />cn <br />rv <br />� <br />� <br />�V <br />O <br />c.a <br />f--� <br />� <br />� <br />� �8: <br />� <br />r� <br />�'N; <br />. <br />� <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 <br />