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<br />THIS INSTRiJMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of Home Federal Savings & Loan Association of
<br />Grand Island Grand Island ��
<br />221 South Locust Street 221 South Locust Street
<br />GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801 `� O`
<br />NMLS COMPANY IDENTIFIER: 446443
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on August 31, 2012. The grantors are RONALD E
<br />OCHS and TONI L OCHS, HUSBAND AND WITE, whose address is 10 VIA COMO, GRAND ISLAND,
<br />Nebraska 68803-1732 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the
<br />Note. The obligations of Bonowers 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"). 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"). RONALD E OCHS and TONI L OCHS owe Lender the principal sum of Eight Thousand Eight
<br />Hundred Fifty-nine and 04/100 Dollars (LT.S. $8,859.04), which is evidenced by the note, consumer loan
<br />agreement, or similaz writing dated the same date as tlus Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on September 16, 2017. This
<br />Security Instrument secures to I,ender: (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 Borrower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Bonower, 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 property located in
<br />the COiJNTY of HALL, State of Nebraska:
<br />Address: 10 VIA COMO, GRAND ISLAND, Nebraska 68803-1732
<br />Legal Description: LOT TEN (10), BLOCK TWO (2), CONTINENTAL GARDENS, AN ADDTTION
<br />TO 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 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 Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant attd 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 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 Tazes and Insurance. At Lender's request and subject to Applicable Iaw, Borrower shall pay to
<br />Lender on the day periodic payments aze due under the Note, until the Note is paid in fizll, a sum ("Funds") for: (a)
<br />yearly taxes and assessments which may attain priority over this 5ecurity 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 />premiums; (d) yeazly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
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