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<br />THIS INSTRiJMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust 5treet
<br />GRANI) 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 Tlus Line For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instruwent") is made on October 17, 2012. The grantors are RICK A
<br />VANBIBBER and DIANNA L VANBIBBER, whose address is 214 E OKLAHOMA AVE, GRAND ISLAND,
<br />Nebraska 68801-7932 , and CATHERINE D VANBIBBER, whose address is 227 S OAK ST, GRAND
<br />ISLAND, Nebraska 68801 ("Borrower"). Bonower 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; Accommodal3on Signers. The trustee 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 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"). RICK A VANBIBBER and DIANNA L VANBIBBER owe Lender the principal sum of Three
<br />Thousand Ninety-nine and 00/100 Dollars (LT.S. $3,099.00), which is evidenced by the note, consumer loan
<br />agreement, or similar writing dated the same date as t,his Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid eazlier, due on October 20, 2014. 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 modificarions of the Note; (b) the payment of a11 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 />Inshument 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: 214 E OKL.AHOMA AVE, GRAND ISLAND, Nebraska 68801-7932
<br />Lega1 Description: LOT FOUR (4), IN BLOCK THREE (3), IN SOUTH GRAND ISLAND, AN
<br />ADDITION 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 />appurtena.nces, and fixtures now or hereafter a part of the property. All replacements and additions sha11 also be
<br />covered by this Security Inshvment. All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS tUat 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 wazrants and will defend generally the title to the Properiy 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. 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.
<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, Bonower sha11 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 />yearly taxes and assessments which ma,y 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) yeazly hazard or property insutance
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<br />Comvumer Real Estate - Security Instrument DL2036 Page 1 of 6 �•�P��Ygt��
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