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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 />NMLS COMPANY IDENTIFIER: 446443
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island S O�
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801 � � �
<br />(Space Above Tlvs Y.,ine For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instivment") is made on May 17, 2012. The graators aze JADE D
<br />BALLARD and SHELLY L M BALLARD, HUSBAND AND WIFE, whose address is 340 SUNSET DR,
<br />Doniphan, Nebraska 68832-1701 ("Bonower"). Borrower is not necessarily the same as the Person or Persons
<br />who sign the Note. The obligations of Bonowers who did not sign the Note aze explained fiuther in the section
<br />titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is
<br />Arend R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The
<br />beneficiary is Home Federal Savings & 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 5outh Locust Street, Grand Island,
<br />Nebraska 68801 ("Lender"). JADE D BALLARD and SHELLY L M BAi.i._ARn owe Lender the principal sum
<br />of Sizteen Thousand Seventy-nine and 50/100 Dollars (LT.S. $16,079.50), wluch is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this 5ecurity Instrument (the "Note"), wluch
<br />provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on May 15, 2017.
<br />This Security Instrument secures to Lender: (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 �tn the Property; and (c) the performance of Bonower'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 descn�bed property located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 340 SUNSET DR, Doniphan, Nebraska 68832-1701
<br />Legal Description: LOT TEN (10), ANIICK ACRES WEST SUBDIVISION, HAI.L COUNTY,
<br />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 sha11 also be
<br />covered by this Security Insirument. All of the foregoing is refened 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 Properiy and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Property 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 Ch�rges. Borrower shall prompfly 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 administrative rules and orders (that have
<br />the effect of law) as well as a11 applicable final, non-appealable judicial opinions.
<br />Funds for Tazes and Insurance. At Lender's request and subject to Applicable Law, Bonower 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 />yearly taxes and assessments which may attain priority over this Security Inslrument as a lien on the Property; (b)
<br />yeazly leasehold payments or ground rents on the Property, if any; (c) yeazly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage �nc�*ance premiums, if any; and (�
<br />� 2004-2011 Compliance Systems, Inc. 9BAD-80FI - 2011L2,0.485
<br />Conanmer Real Eetete - Security Iretrumeut DL2036 Page 1 of 6 �•�P��Ye��•�
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