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<br />T'HIS 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
<br />Grand Island `�
<br />221 South Locust Street � o S
<br />GRAND I5LAND, 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 23, 2012. The grantors aze JEFFERY J
<br />HAPPOLD, whose address is 1232 WARREN LN, GRAND ISLAND, Nebraska 68801 , and KRISTIE L
<br />HAPPOLD, HUSBAND AND WIFE, whose address is 1232 WARREN LN, GRAND ISLAND, Nebraska
<br />68801 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R Baack,
<br />Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). JEFFERY J HAPPOLD and KRISTIE L HAPPOLD owe Lender the principal sum of Eleven
<br />Thousand Six Hundred Ninety-nine and 00/100 Dollars (U.S. $11,699.00), which is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which
<br />provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on July 27, 2022.
<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 in the Property; and (c) the performance of Bonower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Borrower, 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 described properiy located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 1232 WARREN LN, GRAND ISLAND, Nebraska 68801
<br />Legal Description: LOT 6, HOUGHI�RK SUBDIVISION IN THE CITY OF GRAND ISLAND,
<br />HALL COUNTY,NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtena.nces, 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 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 Property and that the Property is unencumbered, except for encumbrances of record.
<br />Bonower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encuinbrances 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 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 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 />yeazly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />O 2004-2011 Complience Syatems, Inc. 9BAD-40AB - 2011 L2.0.485
<br />Consumer Real Eatate - Security Ivstrument DL2036 Page 1 of 6 www.compliancesyatems.com
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