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<br />'I'HI5 IN5TRUMENT 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
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For R�ording Data)
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrwnent") is made on August 29, 2012. The grantors are JAMES L
<br />LEWIS, also l�own as L. JAMES LEWIS, whose address is 515 MEVES AVE, GRAND ISLAND, Nebraska
<br />68801-7858 , and JULIE K KNUTH, also l�own as JULIE KNiTTH, EACH A SINGLE PERSON, whose
<br />address is 515 MEVES AVE, GRAND ISLAND, Nebraska 68801-7858 ("Borrower"). Bonower is not
<br />necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign
<br />the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R Baack, Attorney whose address is P.O. Boz 790, Grand
<br />Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ("Lender"). JAMES L LEWIS owes Lender the principal
<br />sum of Ten Thousand Seven Hundred Thirty-five and 00/100 Dollars (U.S. $10,735.00), which is evidenced by
<br />the 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 eazlier, due on
<br />September 18, 2015. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the
<br />Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums,
<br />with interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Bonower, in consideration of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br />property located in the COUNTY of HALL, 5tate of Nebraska:
<br />Address: 515 MEVES AVE, GRAND ISLAND, Nebraska 68801-7858
<br />Legal Description: LOT TWENTY (20), SPELTZ-SCHi1LTZ ADDITION TO THE CITY OF
<br />GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the properly, 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 and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Bonower wazrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Bonower 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 Tages 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 />yeazly taxes and assessments which may attain priority over this Security 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 />O 2004-2011 Compliance Systems, Inc. 9BAD-DFFS - 2011 L2.0.485
<br />Coosumer Reel Estate - Securiry Ivatrument DL2036 Pege 1 of 6 www.compiiancesystems.cam
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