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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 />GRANll ISLAND, NE 68801
<br />NMLS COMPANY IDENTIFIER: 446443
<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 This Line For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on June 22, 2012. The grantors are BENNETI' R
<br />MURPHY JR, whose address is 2309 E STOLLEY PARK RD, GRAND ISLAND, Nebraska 68801-1208 , and
<br />JiTDITH A MURPHY, HUSBAND AND WIFE, whose address is 2309 E 5TOLLEY PARK RD, GRAND
<br />ISLAND, Nebraska 68801 ("Bonower"). Bonower is not necessarily the same as the Person or Persons who sign
<br />the Note. The obligations of Bonowers who did not sign the Note are explained furkher in the section titled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraslca 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). BENNETT R MURPHY JR and BENNETT R MURPHY III owe Lender the principal sum of
<br />Eighteen Thousand Eight Hundred Forty and 00/100 Dollars (U.S. $18,840.00), which is evidenced by the
<br />note, consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"),
<br />which provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on June
<br />30, 2017. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br />interest, advanced to protect the security of this Security Instrument under the provisions of the section tifled
<br />Protection of Lender's Rights in the Property; and (c) the performaace of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sa1e, the following descnbed
<br />property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 2309 E STOLLEY PARK RD, GRAND ISLAND, Nebraska 68801-1208
<br />Legal Description: LOT FOUR (4), SANDY BEACH SUBDIVISION, HALL 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 properly. All replacements and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is refened to in this 5ecurity 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 Properly is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Properly 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; 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 chazges due under the
<br />Note.
<br />AppHcable 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 />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 Instrument as a lien on the Property; (b)
<br />yeazly leasehol'd payments or ground rents on the Property, if any; (c) yearly haza.rd or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<br />� 2004-2011 Complimce Syatems, Inc. 9BAD-EB76 - 20111,2.0.485
<br />Consumer Reel Fstate - Security InsUument DL2036 Pege l of 6 �•�P��3'
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