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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
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of 0 �
<br />Grand Island 5
<br />221 South Locust Street 3 � ,
<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 May 25, 2012. The grantors are SCOTT P RIEF
<br />and MINDY L RIEF, HUSBAND AND WIFE, whose address is 315 PONDEROSA AVE, GRAND ISLAND,
<br />Nebraska 68803-9648 ("Bonower"). Bonower is not necessarily the same as the Person or Persons who sign the
<br />Note. The obligations of Borrowers who did not sign the Note are explained fiuther in the section titled
<br />Successors and Assigna Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized and eacisting under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). 5COTT P RIEF and MINDY L RIEF owe Lender the principal sum of Sizty-three Thousand
<br />Seventy-nine and 50/100 Dollars (U.S. $63,079.50), which is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due on June 10, 2019. This Security Instrument
<br />secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions
<br />and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of
<br />this Security Instrument under the provisions of the section titled ProtecHon of Lender's Rights in the Property;
<br />and (c) the performance of Bonower's covenants and agreements uader this Security Instrument and the Note. For
<br />this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following descn'bed property located in the COUNTY of HALL, State of
<br />Nebraska:
<br />Address: 160 PONDEROSA CT, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT TEN (10), BLOCK ONE (1), PONDEROSA LAKE ESTATES THIRD
<br />SUBDIVISION, IN THE CITY OF GRAND I5LAND, HALL COUNTY, NEBRASKA.
<br />TOGETI�R WITH all the improvements now or hereafter erected on the property, and a11 easements,
<br />appurtenances, and fixhues now or hereafter a part of the property. All replacements and additions shall also be
<br />covered by tUis 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 Properly and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower wanants and will defend generally the title to the Properly against all claims and demands, subject to
<br />any encumbrances of record.
<br />Bonower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower shall prompdy 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 Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and adminisirative rules and orders (that have
<br />the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />Funds for Tazes and Insurance. At Lender's request and subject to Applicable I.aw, Borrower 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 />yeazly taxes and assessments which may attain priority over t1�is Sectuity Instrument as a lien on the Property; (b)
<br />yeazly leasehold payments or grouud rents on the Property, if any; (c) yearly hazazd or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (�
<br />� 2004-2011 Compliaace Syatema, Inc. 9BAD-B507 - 2011L2.0.485
<br />Conaumer Real Fstaze - Secudty Instrument DL2036 Paga 1 of 6 www•comPUeIIcesYs�eme•com
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