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<br />THIS INSTRUMENT 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
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />2215outh Locust Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 19, 2012. The grantor is DENNIS L
<br />NEIGHBORS, A SINGLE PERSON, whose address is 1823 N CUSTER AVE, GRAND ISLAND, Nebraska
<br />68803-2555 ("Borrower"). Bonower 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. Bog 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"). DENNIS L NEIGHBORS owes Lender the principal sum of Two Thousand Five Hundred
<br />Ninety-four and 00/100 Dollars (U.5. $2,594.00), which is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due on October 30, 2015. This Security Instrument
<br />secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions
<br />and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of
<br />this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property;
<br />and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
<br />this purpose, Bonower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in hvst, with power of sale, the following described property located in the COUNTY of HALL, State of
<br />Nebraska:
<br />Address:1823 N CUSTER AVE, GRAND ISLAND, Nebraska 68803-2555
<br />Legal Description: LOTS FOUR (4) AND SIX (�, IN BLOCK THIRTEEN (13), IN SCARFF'S
<br />ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />TOGETI-�ER 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 Instavment 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 tide to the Properiy 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 prompdy pay when due the
<br />principal pf 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 Iaw, 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 Instivment as a lien on the Property; (b)
<br />yeazly leasehold payments or ground rents on the Properiy, if any, (c) yeazly hazard or property insurance
<br />premiums; (d) yearly flood in.c�,:,nce premiums, if any; (e) yearly mortgage insurance premiums, if any; and (fl
<br />� 2004-2011 Compliance Systeu�s, Inc. 9BAD-FOAF - 2011 L2.0.485
<br />Consumer Real Estete - Security Ivst�nment DL2036 Page 1 of 6 www•comPGeocesY9�ems•com
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