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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
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of �b
<br />Grand Island �
<br />221 South Locust Street ,� '
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Re�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on July 5, 2012. The grantor is DOUGLAS P
<br />FENSTER, A SINGLE PERSON, whose address is 1418 W 5TH ST, GRAND ISLAND, Nebraska 68801-4422
<br />("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are explained further in the section titled Successors and Assigns Bound;
<br />Joint and Several Liability; Accominodation Signers. The irustee is Arend R Baack, Attorney whose address
<br />is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"}. The beneficiary is Home Federal Savings &
<br />Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br />America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). DOUGLAS
<br />P FENSTER owes Lender the principal sum of Eleven Thousand Three Hundred Thirty-five and 00/100
<br />Dollars (iJ.S. $11,335.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date as tlus Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"),
<br />with the full debt, if not paid earlier, due on July 10, 2016. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. 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 sale,,the following described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 1418 W 5TH ST, GRAND ISLAND, Nebraska 68801-4422
<br />Legal Description: LOT 5EVEN (�, BLOCK THREE (3), BONNIE BRAE ADDITION TO THE
<br />CITY OF GRAND I5LAND, 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 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 />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 226.32 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. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 22632 only if I,ender 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.
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<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 all applicable final, non-appealable judicial opinions.
<br />� 2004-2011 Complimce Systems, Inc. 9BAD-24B5 - 201 I L2.0.485
<br />Consumer Real Estate - Security Instrumrnt DL2036 Pa�e I of 6 www.compliavicesystems.com
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