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<br />THIS INSTRUMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
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<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
<br />GRAND ISLAND, NE 68801
<br />(Space Above Thia Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 23, 2012. The grantor is MICHELLE M
<br />KOHLHOF, A SINGLE PERSON, whose address is 2427 PIONEER BLVD, GRAND ISLAND, Nebraska
<br />68801-7341 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Bonowers 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. Boz 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 5treet, Grand Island, Nebraska 68801
<br />("Lender"). MICHELLE M KOHI.HOF owes Lender the principal sum of Ten Thousand Seventy-nine and
<br />50/100 Dollars (U.S. $10,079.50), which is evidenced by the note, consumer loan agreement, or similaz writing
<br />dated the same date as this Security Inshvment (the "Note"), which provides for periodic payments ("Periodic
<br />Payments"), with the full debt, if not paid eazlier, due on November 1, 2017. This Security Instrument secures to
<br />Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this
<br />Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and
<br />(c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the COUNTY of HALL, State of
<br />Nebraska:
<br />Address: 2427 PIONEER BLVD, GRAND I5LAND, Nebraska 68801-7341
<br />Lega1 Description: LOT FIVE (�, BLOCK "E", PARK-VIEW SUBDIVI5ION, IN THE CI1Y OF
<br />GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixttues 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 refened 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 warrants and will defend generally the title to the Properly 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. 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.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regnilations, 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 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 />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yeazly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<br />O 2004-20i 1 Complieucc Systems, Inc. 9BAD-46F4 - 2011L2.0.485
<br />Coreumer Real Estate - Sec�aity Inatrument DL2036 Page t of 6 www.compliancesyatems.com
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