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<br />T'HIS INSTRiJMENT PREPARED BY:
<br />Home Federal5avings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street ��
<br />GRAND ISLAND, NE 68801 ,� O
<br />.
<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 20, 2012. The grantors aze GREGG E
<br />WIBBELS and LINDA M WIBBELS, HUSBAND AND WIFE, whose address is 224 REDWOOD RD,
<br />GRAND ISLAND, Nebraska 68803-3150 ("Borrower"). Borrower is not necessarily the same as the Person or
<br />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; Accommodation Signers. The
<br />hustee is Arend R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee").
<br />The beneficiary is Home Federal5avings & 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 Street, Grand Island,
<br />Nebraska 68801 ("Lender"). GREGG E WIBBELS and LINDA M WIBBELS owe Lender the principal sum of
<br />One Hundred Thousand Eighty-four and 50/100 Dollars (U.S. $100,084.50), which is evidenced by the note,
<br />consumer loan agreement, or similaz writing dated the same date as this Security Instcvment (the "Note"), wluch
<br />provides for Single payments ("Periodic Payments"), with the full debt, if not paid earlier, due on July 10, 2012.
<br />This Security Instrument secures to I,ender: (a) the repayment of the debt evidenced by the Note, with interest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced
<br />to protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's
<br />Rights in the Property; and (c) the performance of Borrower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Bonower, in consideration of the debt and the trust herein created,
<br />irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 224 REDWOOD RD, GRAND ISLAND, Nebraska 68803-3150
<br />Legal Description LOT TWENTY (20), COUNTRY MEADOWS SUBDIVISION, IN THE CITY OF
<br />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 conveyed 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 Properiy 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 22632 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. Bonower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 22632 only if Lender 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 />� 2004-2011 Compliance Syatems, Inc. 9BAD-SC1A - 2011L2.0.485
<br />Consumer Real Estaze - Senaity Inshument DL2036 Page 1 of 6 www.compliancesystems.com
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