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<br />THIS INSTRLTMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust 5treet
<br />GRAND ISLAND, NE 68801
<br />NMLS COMPANY IDENTIFIER: 446443
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street / jf
<br />GRAND ISLAND, NE 68801 �� S
<br />.
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instcvment") is made on October 2, 2012. The grantor is GAYLE
<br />CATHERINE STUHR, A SINGLE PERSON, whose address is 1830 N LAFAYETTE AVE, GRAND
<br />ISLAND, Nebraska 68803-2652 ("Borrower"). Bonower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Bonowers who did not sign the Note are explained further in the section ritled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The hvstee is Arend
<br />R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Associatlon 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"). GAYLE CATHE1tINE STUHR owes Lender the principal sum of Fifteen Thousand Seven
<br />Hundred Sizty-nine and 93/100 Dollars (U.S. $15,769.93), which is evidenced by the note, consumer loan
<br />agreement, or similaz writing dated the same date as this Security Instrument (the "Note"), which provides for
<br />monthly payments ("Periodic Payments"), with the full debt, if not paid earlier, due on October 25, 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 Borrower'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 property located in
<br />the COUNTY of HALL, State of Nebraslca:
<br />Address: 1830 N LAFAYETTE AVE, GRAND ISLAND, Nebraska 68803-2652
<br />Legal Description: ALL OF LOT FIVE (5), BLOCK FIFTEEN (15), IN SCARFF'S ADDITION TO
<br />WEST LAWN, IN THE CITY OF GRAND ISLAND, 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 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 />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. The debt evidenced by the Note and which is secured by ttus Security Insirument is
<br />subject to the provisions of 12 CFR 22632. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Bonower 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 necessazy
<br />requirements imposed on such debt imposed by 12 CFR 22632 and Applicable Law.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower shall prompdy 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 />O 2004-2011 Campliance Syatems, Inc. 9BAD-D7DA - 2011L2.0.485
<br />Consuma Real Eatete - Senrtity Insaument DL2036 Page 1 af 6 K'a'W'•�P1���Y8��•�
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