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<br />THIS INSTRLTMENT 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:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above'I9us Line For R�ording Data)
<br />NMI.S COMPANY IDENTIFIER: 446443
<br />DEED OF TRUST
<br />(PREAUTHORIZED (OPEN END) C�tEDIT - FUTURE ADVANCE5 ARE SECURED
<br />BY TffiS DEED OF TRUS1�
<br />THIS DEED OF TRUST ("Security Instrument") is made on May 10, 2012. The grantors are RANDALL L
<br />CHITTY and JOAN E CHITTY, HUSBAND AND WIFE, whose address is 414 SUNSET DR, Doniphan,
<br />Nebraska 68832-9792 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the
<br />Equity - Line of Credit ("Contract"). The obligations of Borrowers who did not sign the Contract aze explained
<br />fiu�kher in the section tifled Successors and Assigns 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 South Locust
<br />Street, Grand Island, Nebraska 68801("Lender"). RANDALL L CHITTY and JOAN E CHITTY have entered
<br />into a Contract with Lender as of May 10, 2012, under the terms of which Borrower may, from time to time,
<br />obtain advances not to exceed, at any time, a***MAJ�IVIUM PRINCIPAL AMOiTNT (EXCLUDING
<br />PROTECTIVE ADVANCES)*** of Thirty Thousand and 00/100 Dollars (iJ.S. $30,000.00) ("Credit Limit").
<br />Any party interested in the details related to Lender's continuing obligation to make advances to Borrower is
<br />advised to consult directly with Lender. If not paid earlier, the sums owing under Borrower's Contract with Lender
<br />will be due on May 15, 2017. This Security Instrument secures to Lender: (a) the repayment of the debt under the
<br />Contract, with interest, including future advances, and all renewals, extensions and modifications of the Contract;
<br />(b) the payment of all other sums, witki interest, advanced to protect the security of this Security Instrument under
<br />the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance of
<br />Bonower's covenants and agreements under this Security Inshvment and the Contrac� For this purpose, Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sa1e, the following described property located in the COUNTY of HALL, State of Nebraslca:
<br />Address: 414 SUNSET DR, Doniphan, Nebraska 68832-9792
<br />Lega1 Description: LOT SEVENTEEN (1�, AMICK ACRES WEST SUBDIVISION, HALL
<br />COUNTY,NEBRASKA
<br />TOGETI�R 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 refened to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS 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 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; Other Charges. Borrower shall promptly pay when due the principal of and
<br />interest on the debt owed under the Contract and late charges or any other fees and charges due under the Contract.
<br />Applicable Law. As used in this Security Instiument, 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.
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<br />� 2004-2011 Campliance Syetems, Ivc. 9BAD-E066 - 2011L2.0.485
<br />Coawmer Real Eatate - Sewrity Imtrament DL2036 Pege 1 of 5 R'w'a'•�P��YB��
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