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<br />THIS INSTRUMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />� � V 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 5outh Locust Street ��
<br />GRAND ISLAND, NE 68801 3�,
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on July 25, 2012. The grantors are FRANCIS W
<br />JOHNSON and LAURIE K JOHNSON, husband and wife, whose address is 2803 IDAHO AVE, GRAND
<br />ISLAND, Nebraska 68803 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign
<br />the Note. The obligations of Borrowers who did not sign the Note are explained further 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. Box 790, Grand Island, Nebraska 68802 ("Trustee"). T'he 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"). FRANCIS W JOHNSON and LAURIE K JOHNSON owe Lender the principal sum of Fourteen
<br />Thousand Seventy-nine and 50/100 Dollars (U,S. $14,079.50), which is evidenced by the note, consumer loan
<br />agreement, or similar writing dated the same date as this Security Instiument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on August 7, 2017. This
<br />Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all
<br />renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to
<br />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 irust, with power of sale, the following described properly located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 2803 IDAHO AVE, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT FOUR (4), BLOCK FOUR (4), WOODLAND PARK FOURTH
<br />SUBDIVISION, IN THE CITY OF GRAND ISLAND, 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 properly. 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 />"Properly."
<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 />Borrower warrants and will defend generally the title to the Property against all clanns 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 Qf 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 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable I,aw.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower 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 />� 2004-201 I Complience Systems, Irtc. 9BAD-E222 - 2011L2.0.485
<br />Con.m�e� Real Estete - Seavky iastnun�t DL2036 Page 1 of 6 www.compliancevystems.com
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