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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
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island ,
<br />221 South Locust Street S 0
<br />GRAND ISLAND, NE 68801 � � '
<br />(Space Above T1iis Line For Recording Data)
<br />NMLS COMPANY IDENTIFIER: 446443
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on June 1, 2012. The grantors are MARK E DREHER,
<br />whose address is 4157 SPRINGVIEW DR, GItAND ISLAND, Nebraska 68803 , and SHARON K DREHER,
<br />HUSBAND AND WIFE, and SHARON K DREHER, HUSBAND AND WIFE, whose address is 4157
<br />SPRINGVIEW DR, GRAND ISLAND, Nebraska 68803 ("Borrower"). Borrower is not necessarily the same as
<br />the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained
<br />further in the section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br />Signers. The trustee is Arend R. Baack, Attorney wl�ose address is P.O. Box 790, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is I�ome Federal Savings & Loan Association of Grand Island, which is
<br />organized and existing under the laws of the United States of America and wl�ose address is 221 South Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). MARK E DREHER and SHARON K DREHER owe Lender
<br />the principal sum of Twenty-five Thousand One Hundred Twenty-four and 00/100 Dollars (U.S. $25,124.00),
<br />which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security
<br />Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with the full debt, if not
<br />paid earlier, due on May 20, 2017. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modifications of tlie Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of this Security Instrument under the provisions of
<br />the section titled Protection of Lender's Rights in the Property; and (c) the performance of Bonower's
<br />covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />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: 4157 5PRINGVIEW DR, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT TWENTY-NINE (29), WESTROADS ESTATES THIRD SUBDIVISION,
<br />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 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 />Borrower 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 foilows:
<br />Payment of Principal and Interest; Prepayment and Late Cl�arges. 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 />Applicable Law. As used in this Secwity 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 all applicable final, non-appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, 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 />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />� 2004-20I 1 Compliance Systems, Inc. 9BAD•AZAr - 201 I L2.0.485
<br />Consumer Reel Estate - Security Instwnent DL2036 Pege I of 6 n�vw.compliancesysterr�c.com
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